2018-05-11T12:32:11-05:00 2017-12-31 010523282 Berry Dunn McNeil & Parker LLC 1000 Elm Street 4th Floor Manchester NH 03101 990 2017-01-01 020196520 Bellwether Community Credit Union BELL 6036458181 425 Hooksett Road Manchester NH 03104 Jonathan Oglebay CFO 6036458181 2018-05-10 1 Barbara J McGuan CPA P00219457 6036697337 2018-05-10 2017 2022-09-23 18:48:47Z Jonathan Oglebay 425 Hooksett Road Manchester NH 03104 34414632 0 X www.bccu.com X 1921 NH Operate a state chartered credit union for the benefit of its members. 9 9 107 14 238036 72787 0 0 12953857 16731324 1630263 2913575 2520991 0 17105111 19644899 0 0 1781810 2885609 7148039 7415569 0 0 0 7503799 8042506 16433648 18343684 671463 1301215 465018926 504412988 420346374 457140806 44672552 47272182 To operate a state chartered credit union to provide loan and deposit services for the benefit of its members. 0 0 Program services relate to daily operations of a locally controlled, full service credit union. We make loans, accept deposit accounts, and continually and efficiently provide other relevant financial services to a member base of approximately 36,600 individuals. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 1 101 0 1 107 1 1 1 0 0 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 0 NH X Jonathan Oglebay 6036458181 425 Hooksett Road Manchester NH 03104 Chris Williams Director 1.00 X 0 0 0 David C Anderson Director 1.00 X 0 0 0 Eva L Martel Director 1.00 X 0 0 0 Gail Garceau Director 1.00 X 0 0 0 John J Gennetti Vice Chair 1.00 X X 0 0 0 Lisa M Thorne Secretary & Treasurer 1.00 X X 0 0 0 Maura Weston Director 1.00 X 0 0 0 Morgan Smith Director 1.00 X 0 0 0 Patrick C McHugh Chair 1.00 X X 0 0 0 Claire Moses Past EVP/COO 45.00 X 96298 0 10368 Jonathan Oglebay SVP/CFO 45.00 X 147278 0 57355 Michael A L'Ecuyer President & CEO 45.00 X 437324 0 308271 Jeffrey R Benson SVP/CIO 45.00 X 179079 0 27680 Nancy D Nadeau SVP/CAO 45.00 X 206277 0 48296 Nathan D Saller SVP/COO 45.00 X 171293 0 59808 Barbara H Lussier VP/Lending 45.00 X 144009 0 43395 J Michael Perrella VP/Commercial Services 45.00 X 116660 0 39084 Leslie Gendron VP/Risk Management 45.00 X 119178 0 38460 Suzanne Beaubien VP/Retail Services 45.00 X 136198 0 44444 1753594 0 677161 9 0 1 0 PSCU 560 Carillon Parkway St Petersburg FL 33716 Credit Card Vendor 810464 Q2 Software Inc PO Box 205970 Dallas TX 75320 Web 24 431305 Merrimack Office Properties LLC 34 Hansom Drive Merrimack NH 03054 Rent-Opts Center 325248 Corelation 2878 Camino Del Rio South Suite 41 San Diego CA 92108 New Core Vendor 227835 Beliveau Fradette & Gallant PA 91 Bay Street PO Box 3150 Manchester NH 03105 Loan Closings 103197 5 Interest Income 522100 14245593 14245593 Fee & Service Income 522100 2485731 2247695 238036 16731324 2710459 2710459 14972849 14769733 203116 203116 203116 19644899 16493288 238036 2913575 2885609 1749327 4011371 212126 1059206 383539 18227 127918 268579 299204 71711 1075247 665965 24052 60234 862867 1029552 91341 Provision for Loan Loss 1197063 Operations Expense 964216 Miscellaneous Expenses 677112 Loan Servicing Expenses 609218 18343684 X 10434778 4682127 4707203 1975455 335558007 350872617 22856072 10187513 13540366 12668559 87467094 115384570 16043226 16097912 465018926 504412988 4465786 4614638 84135000 91135000 331745588 361391168 420346374 457140806 X 0 0 0 0 44672552 47272182 44672552 47272182 465018926 504412988 1301215 1298415 0 X 0 1 X 1 0 3771502 3771502 9714403 3974993 5739410 9364292 6212520 3151772 5875 5875 12668559 Member Deposits 361391168 361391168 20943314 1298415 1298415 19644899 0 19644899 18343684 0 18343684 0 18343684 X 0 1 0 Jonathan Oglebay SVP/CFO 132709 0 14300 0 269 0 29012 0 28343 0 204633 0 0 0 Michael A L'Ecuyer President & CEO 377532 0 47959 0 11833 0 275896 0 32375 0 745595 0 0 0 Jeffrey R Benson SVP/CIO 147961 0 30711 0 407 0 24437 0 3243 0 206759 0 0 0 Nancy D Nadeau SVP/CAO 145960 0 59135 0 1182 0 27502 0 20794 0 254573 0 0 0 Nathan D Saller SVP/COO 154588 0 16409 0 296 0 37000 0 22808 0 231101 0 0 0 Barbara H Lussier VP/Lending 128793 0 14203 0 1013 0 29180 0 14215 0 187404 0 0 0 J Michael Perrella VP/Commercial Services 102951 0 12860 0 849 0 18462 0 20622 0 155744 0 0 0 Leslie Gendron VP/Risk Management 106758 0 12000 0 420 0 24507 0 13953 0 157638 0 0 0 Suzanne Beaubien VP/Retail Services 123264 0 12480 0 454 0 27259 0 17185 0 180642 0 0 0 Part I, Line 4b Michael L'Ecuyer particpates in the 457f plan. Form 990, Part VI, Section A, line 6 Entity is a credit union with 36,600 members. Form 990, Part VI, Section A, line 7a The members of BCCU elect at least one member of the board of directors. Form 990, Part VI, Section A, line 7b Entity-wide decisions including election of officers, merger and acquisition, and changes to by-laws or governing documents would require membership approval. Form 990, Part VI, Section B, line 11b The Form 990 is presented to supervisory committee for review. Form 990, Part VI, Section B, line 12c Each year every employee and board member is required to review BCCU's Conflict of Interest and Ethics Policy and document any potential conflicts. Our Conflict of Interest clearly identifies a conflict as occurring when an employee is in a position to influence a decision that may result in a personal gain for that employee/board member or a relative as a result of BCCU's business dealings. Covered persons are responsible for disclosing any potential or perceived conflicts of interest. In addition, all BCCU policies are reviewed and approved by the Board of Directors on an annual basis. Form 990, Part VI, Section B, line 15 Working with the SVP/CAO, the credit union's Personnel Committee (made up of members of BCCU's Board of Directors) is responsible for conducting annual performance reviews for the President/CEO. This process is completed by the Personnel Committee presenting their written assessment and salary recommendations to the Board of Directors for their input and approval. Once approved, a member of the Personnel Committee presents the information to the President/CEO and obtains required signatures. Documents are then submitted to Human Resources for processing. The CEO is responsible for completing formal reviews for all Executive Team members. This would include input from Human Resources on salary recommendations (depending on ratings). Form 990, Part VI, Section C, line 19 BCCU makes its documents available to the public by request with the exception of financial statements which are posted in each branch lobby. Form 990, Part X, Line 10: Land, Buildings, and Equipment: Section 1.263(a)-3(n) Election: Bellwether Community Credit Union 425 Hooksett Road Manchester, NH 03104 EIN: 02-0196520 Bellwether Community Credit Union is electing to capitalize repair and maintenance costs under Regulation Section 1.263(a)-3(n). TCU Financial Services LLC 425 D W Highway Manchester NH 031042632 Financial Services NH 501(c)(14) Bellwether Community Credit Union 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0