Bellwether Community Credit Union: Form 990, tax year 2016

View the entire original 990 at ProPublica ↗

Organization
Bellwether Community Credit Union (EIN 02-0196520)
Tax period
2016-01-01 to 2016-12-31
Filed
2017-05-15
IRS object ID
201701359349308780
Schema version
2016v3.0
Source
Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header ReturnHeader

FieldValueIRS element (for citing)
Return2017-05-15T14:54:48-05:00ReturnTs
Tax Period End2016-12-31TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

FieldValueIRS element (for citing)
Preparer Firm EIN030210880PreparerFirmEIN

Preparer Firm Name PreparerFirmName

FieldValueIRS element (for citing)
Business Name Line1A M PEISCH & COMPANY LLPBusinessNameLine1Txt

Preparer US Address PreparerUSAddress

FieldValueIRS element (for citing)
Address Line11020 MEMORIAL DRIVEAddressLine1Txt
CityST JOHNSBURYCityNm
State AbbreviationVTStateAbbreviationCd
ZIP05819ZIPCd
FieldValueIRS element (for citing)
Return Type990ReturnTypeCd
Tax Period Begin2016-01-01TaxPeriodBeginDt

Filer Filer

FieldValueIRS element (for citing)
EIN020196520EIN

Business Name BusinessName

FieldValueIRS element (for citing)
Business Name Line1BELLWETHER COMMUNITY CREDIT UNIONBusinessNameLine1Txt
FieldValueIRS element (for citing)
Business Name ControlBELLBusinessNameControlTxt
Phone6036458181PhoneNum

US Address USAddress

FieldValueIRS element (for citing)
Address Line1425 HOOKSETT ROADAddressLine1Txt
CityMANCHESTERCityNm
State AbbreviationNHStateAbbreviationCd
ZIP03104ZIPCd

Business Officer BusinessOfficerGrp

FieldValueIRS element (for citing)
PersonJONATHAN OGLEBAY CFOPersonNm
Person TitleCFOPersonTitleTxt
Phone6036458181PhoneNum
Signature2017-05-15SignatureDt
Discuss With Paid PreparerYes (1)DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

FieldValueIRS element (for citing)
Preparer PersonRICHARD F LYON CPAPreparerPersonNm
PTINP00281531PTIN
Phone8027485654PhoneNum

Filing Security Information FilingSecurityInformation

IP Address IPAddress

FieldValueIRS element (for citing)
I Pv4 Address72.15.28.186IPv4AddressTxt
FieldValueIRS element (for citing)
IP2017-05-15IPDt
IP Tm15:52:35IPTm
IP TimezoneEDIPTimezoneCd
Filing License TypePFilingLicenseTypeCd
At Submission Creation Device Id0E9EC6B1632589286A2AC8E709240BE2A3C17CF9AtSubmissionCreationDeviceId
At Submission Filing Device Id504E8AB49F12A48A750668D10C46D5BD1E8425E3AtSubmissionFilingDeviceId
FieldValueIRS element (for citing)
Tax2016TaxYr
Build TS2021-01-29 14:40:06ZBuildTS

Form 990 IRS990

FieldValueIRS element (for citing)
Principal OfficerJONATHAN OGLEBAYPrincipalOfficerNm

US Address USAddress

FieldValueIRS element (for citing)
Address Line1425 HOOKSETT ROADAddressLine1Txt
CityMANCHESTERCityNm
State AbbreviationNHStateAbbreviationCd
ZIP03104ZIPCd
FieldValueIRS element (for citing)
Gross Receipts$17,105,111GrossReceiptsAmt
Group Return For Affiliates0GroupReturnForAffiliatesInd
Organization501cYes (X)Organization501cInd
Website AddressWWW.BCCU.COMWebsiteAddressTxt
Type Of Organization OtherYes (X)TypeOfOrganizationOtherInd
Formation1921FormationYr
Legal Domicile StateNHLegalDomicileStateCd
Activity Or MissionOPERATE A STATE CHARTERED CREDIT UNION FOR THE BENEFIT OF ITS MEMBERS.ActivityOrMissionDesc
Voting Members Governing Body9VotingMembersGoverningBodyCnt
Voting Members Independent9VotingMembersIndependentCnt
Total Employee111TotalEmployeeCnt
Total Volunteers0TotalVolunteersCnt
Total Gross UBI$231,964TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm$64,276NetUnrelatedBusTxblIncmAmt
PY Contributions Grants$0PYContributionsGrantsAmt
CY Contributions Grants$0CYContributionsGrantsAmt
PY Program Service Revenue$12,383,411PYProgramServiceRevenueAmt
CY Program Service Revenue$12,953,857CYProgramServiceRevenueAmt
PY Investment Income$2,121,958PYInvestmentIncomeAmt
CY Investment Income$1,630,263CYInvestmentIncomeAmt
PY Other Revenue$2,100,871PYOtherRevenueAmt
CY Other Revenue$2,520,991CYOtherRevenueAmt
PY Total Revenue$16,606,240PYTotalRevenueAmt
CY Total Revenue$17,105,111CYTotalRevenueAmt
PY Grants And Similar Paid$0PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid$0CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members$1,616,230PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members$1,781,810CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid$6,752,027PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid$7,148,039CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns$0PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns$0CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense$0CYTotalFundraisingExpenseAmt
PY Other Expenses$7,196,487PYOtherExpensesAmt
CY Other Expenses$7,503,799CYOtherExpensesAmt
PY Total Expenses$15,564,744PYTotalExpensesAmt
CY Total Expenses$16,433,648CYTotalExpensesAmt
PY Revenues Less Expenses$1,041,496PYRevenuesLessExpensesAmt
CY Revenues Less Expenses$671,463CYRevenuesLessExpensesAmt
Total Assets BOY$431,755,431TotalAssetsBOYAmt
Total Assets EOY$465,018,926TotalAssetsEOYAmt
Total Liabilities BOY$385,730,903TotalLiabilitiesBOYAmt
Total Liabilities EOY$420,346,374TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY$46,024,528NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY$44,672,552NetAssetsOrFundBalancesEOYAmt
MissionTO OPERATE A STATE CHARTERED CREDIT UNION TO PROVIDE LOAN AND DEPOSIT SERVICES FOR THE BENEFIT OF ITS MEMBERS.MissionDesc
Significant New Program Srvc0SignificantNewProgramSrvcInd
Significant Change0SignificantChangeInd
Expense$15,075,699ExpenseAmt
Revenue$16,873,147RevenueAmt
DescPROGRAM 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 33,300 INDIVIDUALS.Desc
Total Program Service Expenses$15,075,699TotalProgramServiceExpensesAmt
Described In Section501c30DescribedInSection501c3Ind
Schedule B Required0ScheduleBRequiredInd
Political Campaign Acty0PoliticalCampaignActyInd
Subject To Proxy Tax0SubjectToProxyTaxInd
Donor Advised Fund0DonorAdvisedFundInd
Conservation Easements0ConservationEasementsInd
Collections Of Art0CollectionsOfArtInd
Credit Counseling0CreditCounselingInd
Temp Or Permanent Endowments0TempOrPermanentEndowmentsInd
Report Land Building EquipmentYes (1)ReportLandBuildingEquipmentInd
Report Investments Other Sec0ReportInvestmentsOtherSecInd
Report Program Related Invst0ReportProgramRelatedInvstInd
Report Other Assets0ReportOtherAssetsInd
Report Other LiabilitiesYes (1)ReportOtherLiabilitiesInd
Include FIN48 FootnoteYes (1)IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt0IndependentAuditFinclStmtInd
Consolidated Audit Fincl StmtYes (1)ConsolidatedAuditFinclStmtInd
School Operating0SchoolOperatingInd
Foreign Office0ForeignOfficeInd
Foreign Activities0ForeignActivitiesInd
More Than5000 K To Org0MoreThan5000KToOrgInd
More Than5000 K To Individuals0MoreThan5000KToIndividualsInd
Professional Fundraising0ProfessionalFundraisingInd
Fundraising Activities0FundraisingActivitiesInd
Gaming Activities0GamingActivitiesInd
Operate Hospital0OperateHospitalInd
Grants To Organizations0GrantsToOrganizationsInd
Grants To Individuals0GrantsToIndividualsInd
Schedule J RequiredYes (1)ScheduleJRequiredInd
Tax Exempt Bonds0TaxExemptBondsInd
Loan OutstandingYes (1)LoanOutstandingInd
Grant To Related Person0GrantToRelatedPersonInd
Business Rln With Org Mem0BusinessRlnWithOrgMemInd
Business Rln With Fam Mem0BusinessRlnWithFamMemInd
Business Rln With Officer Ent0BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri0DeductibleNonCashContriInd
Deductible Art Contribution0DeductibleArtContributionInd
Terminate Operations0TerminateOperationsInd
Partial Liquidation0PartialLiquidationInd
Disregarded Entity0DisregardedEntityInd
Related EntityYes (1)RelatedEntityInd
Related Organization Ctrl Ent0RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp0ActivitiesConductedPrtshpInd
Schedule O RequiredYes (1)ScheduleORequiredInd
IRP Document89IRPDocumentCnt
IRP Document W2 G0IRPDocumentW2GCnt
Backup Wthld ComplianceYes (1)BackupWthldComplianceInd
Employee111EmployeeCnt
Employment Tax Returns FiledYes (1)EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over LimitYes (1)UnrelatedBusIncmOverLimitInd
Form990 T FiledYes (1)Form990TFiledInd
Foreign Financial Account0ForeignFinancialAccountInd
Prohibited Tax Shelter Trans0ProhibitedTaxShelterTransInd
Taxable Party Notification0TaxablePartyNotificationInd
Nondeductible Contributions0NondeductibleContributionsInd
Quid Pro Quo Contributions0QuidProQuoContributionsInd
Form8282 Property Disposed Of0Form8282PropertyDisposedOfInd
Rcv Fnds To Pay Prsnl Bnft Cntrct0RcvFndsToPayPrsnlBnftCntrctInd
Pay Premiums Prsnl Bnft Cntrct0PayPremiumsPrsnlBnftCntrctInd
Indoor Tanning Services0IndoorTanningServicesInd
Info In Schedule O Part VIYes (X)InfoInScheduleOPartVIInd
Governing Body Voting Members9GoverningBodyVotingMembersCnt
Independent Voting Member9IndependentVotingMemberCnt
Family Or Business Rln0FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties0DelegationOfMgmtDutiesInd
Change To Org Documents0ChangeToOrgDocumentsInd
Material Diversion Or Misuse0MaterialDiversionOrMisuseInd
Members Or StockholdersYes (1)MembersOrStockholdersInd
Election Of Board MembersYes (1)ElectionOfBoardMembersInd
Decisions Subject To ApprovaYes (1)DecisionsSubjectToApprovaInd
Minutes Of Governing BodyYes (1)MinutesOfGoverningBodyInd
Minutes Of CommitteesYes (1)MinutesOfCommitteesInd
Officer Mailing Address0OfficerMailingAddressInd
Local ChaptersYes (1)LocalChaptersInd
Policies Reference ChaptersYes (1)PoliciesReferenceChaptersInd
Form990 Provided To Gvrn BodyYes (1)Form990ProvidedToGvrnBodyInd
Conflict Of Interest PolicyYes (1)ConflictOfInterestPolicyInd
Annual Disclosure Covered PrsnYes (1)AnnualDisclosureCoveredPrsnInd
Regular Monitoring EnfrcYes (1)RegularMonitoringEnfrcInd
Whistleblower PolicyYes (1)WhistleblowerPolicyInd
Document Retention PolicyYes (1)DocumentRetentionPolicyInd
Compensation Process CEOYes (1)CompensationProcessCEOInd
Compensation Process OtherYes (1)CompensationProcessOtherInd
Investment In Joint Venture0InvestmentInJointVentureInd
States Where Copy Of Return Is FldNHStatesWhereCopyOfReturnIsFldCd
Upon RequestYes (X)UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

FieldValueIRS element (for citing)
Business Name Line1JONATHAN OGLEBAYBusinessNameLine1Txt
FieldValueIRS element (for citing)
Phone6036458181PhoneNum

US Address USAddress

FieldValueIRS element (for citing)
Address Line1425 HOOKSETT ROADAddressLine1Txt
CityMANCHESTERCityNm
State AbbreviationNHStateAbbreviationCd
ZIP03104ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (22 entries)

TitleTitleTxtAverage Hours Per WeekAverageHoursPerWeekRtIndividual Trustee Or DirectorIndividualTrusteeOrDirectorIndReportable Comp From OrgReportableCompFromOrgAmtReportable Comp From Rltd OrgReportableCompFromRltdOrgAmtOther CompensationOtherCompensationAmtOfficerOfficerIndHighest Compensated EmployeeHighestCompensatedEmployeeInd
LISA M THORNE
SECRETARY/TREASURER1.00Yes (X)$0$0$0
PATRICK C MCHUGH
CHAIR1.00Yes (X)$0$0$0
DAVID C ANDERSON
DIRECTOR1.00Yes (X)$0$0$0
CHRIS WILLIAMS
DIRECTOR1.00Yes (X)$0$0$0
JOHN J GENNETTI
VICE CHAIRMAN1.00Yes (X)$0$0$0
EVA L MARTEL
CHAIR SUPERVISORY COMMITTE1.00Yes (X)$0$0$0
R BRUCE WILSON
SUPERVISORY COMMITTEE1.00Yes (X)$0$0$0
TINA ANDRADE
DIRECTOR1.00Yes (X)$0$0$0
MORGAN SMITH
DIRECTOR1.00Yes (X)$0$0$0
GAIL GARCEAU
DIRECTOR1.00Yes (X)$0$0$0
MARK BREWER
SUPERVISORY COMMITTEE1.00Yes (X)$0$0$0
MAURA WESTON
ADVISORY COMMITTEE1.00Yes (X)$0$0$0
MICHAEL A L'ECUYER
PRESIDENT & CEO45.00$388,439$0$238,405Yes (X)
CLAIRE J MOSES
EVP/COO45.00$201,737$0$60,595Yes (X)
JONATHAN OGLEBAY
SVP/CFO45.00$125,123$0$15,038Yes (X)
JEFFREY R BENSON
VP/IS-CIO45.00$146,193$0$15,275Yes (X)
BARBARA H LUSSIER
VP/LENDING45.00$129,666$0$10,768Yes (X)
NANCY D NADEAU
VP/ADMINISTRATOR45.00$159,398$0$20,603Yes (X)
NATHAN D SALLER
VP/STRATEGY & GROWTH45.00$138,187$0$18,416Yes (X)
J MICHAEL PERRELLA
VP/COMMERCIAL LENDING45.00$110,091$0$8,414Yes (X)
SUZANNE BEAUBIEN
VP/RETAIL SERVICES45.00$150,775$0$10,569Yes (X)
LESLIE GENDRON
VP/RISK MANAGEMENT45.00$108,059$0$7,765Yes (X)
FieldValueIRS element (for citing)
Total Reportable Comp From Org$1,657,668TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org$0TotReportableCompRltdOrgAmt
Total Other Compensation$405,848TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K10IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed0FormerOfcrEmployeesListedInd
Total Comp Greater Than150 KYes (1)TotalCompGreaterThan150KInd
Compensation From Other Srcs0CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1TxtCityContractorAddress/USAddress/CityNmState AbbreviationContractorAddress/USAddress/StateAbbreviationCdZIPContractorAddress/USAddress/ZIPCdServicesServicesDescCompensationCompensationAmt
Q2 BANKING
PO BOX 678272DALLASTX752678272NEW EBANKING VENDOR$419,804
MERRIMACK OFFICE PROPERTIES LLC
34 HANSOM DRMERRIMACKNH03054RENT OPERATIONS CENTER$300,713
CORELATION
2878 CAMINO DEL RIO SOUTH STE 410SAN DIAGOCA92108NEW CORE VENDOR$266,248
FINANCIAL STATEMENT SERVICES
3300 S FAIRVIEW STSANTA ANNACA92704STATEMENTS & POSTAGE$203,023
BELIVEAU FRADETTE & GALLANT PA
91 BAY ST PO BOX 3150MANCHESTERNH031053150LOAN CLOSINGS$142,051
FieldValueIRS element (for citing)
Cntrct Rcvd Greater Than100 K9CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp

FieldValueIRS element (for citing)
DescINTEREST INCOMEDesc
Business522100BusinessCd
Total Revenue Column$12,953,857TotalRevenueColumnAmt
Related Or Exempt Func Income$12,953,857RelatedOrExemptFuncIncomeAmt
FieldValueIRS element (for citing)
Total Program Service Revenue$12,953,857TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

FieldValueIRS element (for citing)
Total Revenue Column$1,630,263TotalRevenueColumnAmt
Related Or Exempt Func Income$1,630,263RelatedOrExemptFuncIncomeAmt

Other Revenue Misc OtherRevenueMiscGrp (3 entries)

DescDescBusinessBusinessCdTotal Revenue ColumnTotalRevenueColumnAmtRelated Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmtUnrelated Business RevenueUnrelatedBusinessRevenueAmt
FEE & SERVICE INCOME522100$1,479,755$1,247,791$231,964
INTERCHANGE FEES522100$448,991$448,991
OTHER INCOME522100$324,187$324,187

Miscellaneous Revenue MiscellaneousRevenueGrp

FieldValueIRS element (for citing)
Total Revenue Column$268,058TotalRevenueColumnAmt
Related Or Exempt Func Income$268,058RelatedOrExemptFuncIncomeAmt
FieldValueIRS element (for citing)
Other Revenue Total$2,520,991OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

FieldValueIRS element (for citing)
Total Revenue Column$17,105,111TotalRevenueColumnAmt
Related Or Exempt Func Income$16,873,147RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue$231,964UnrelatedBusinessRevenueAmt
Exclusion$0ExclusionAmt
FieldValueIRS element (for citing)
Info In Schedule O Part IXYes (X)InfoInScheduleOPartIXInd

Benefits To Members BenefitsToMembersGrp

FieldValueIRS element (for citing)
Total$1,781,810TotalAmt
Program Services$1,781,810ProgramServicesAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

FieldValueIRS element (for citing)
Total$1,657,668TotalAmt
Program Services$1,657,668ProgramServicesAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

FieldValueIRS element (for citing)
Total$3,383,836TotalAmt
Program Services$3,383,836ProgramServicesAmt

Pension Plan Contributions PensionPlanContributionsGrp

FieldValueIRS element (for citing)
Total$568,752TotalAmt
Program Services$568,752ProgramServicesAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

FieldValueIRS element (for citing)
Total$1,181,324TotalAmt
Program Services$1,181,324ProgramServicesAmt

Payroll Taxes PayrollTaxesGrp

FieldValueIRS element (for citing)
Total$356,459TotalAmt
Program Services$356,459ProgramServicesAmt

Advertising AdvertisingGrp

FieldValueIRS element (for citing)
Total$338,905TotalAmt
Program Services$338,905ProgramServicesAmt

Office Expenses OfficeExpensesGrp

FieldValueIRS element (for citing)
Total$96,286TotalAmt
Program Services$96,286ProgramServicesAmt

Information Technology InformationTechnologyGrp

FieldValueIRS element (for citing)
Total$1,005,363TotalAmt
Program Services$1,005,363ProgramServicesAmt

Occupancy OccupancyGrp

FieldValueIRS element (for citing)
Total$1,003,370TotalAmt
Program Services$1,003,370ProgramServicesAmt

Travel TravelGrp

FieldValueIRS element (for citing)
Total$33,555TotalAmt
Program Services$33,555ProgramServicesAmt

Conferences Meetings ConferencesMeetingsGrp

FieldValueIRS element (for citing)
Total$49,413TotalAmt
Program Services$49,413ProgramServicesAmt

Interest InterestGrp

FieldValueIRS element (for citing)
Total$682,862TotalAmt
Program Services$682,862ProgramServicesAmt

Depreciation Depletion DepreciationDepletionGrp

FieldValueIRS element (for citing)
Total$671,967TotalAmt
Program Services$671,967ProgramServicesAmt

Insurance InsuranceGrp

FieldValueIRS element (for citing)
Total$88,230TotalAmt
Program Services$88,230ProgramServicesAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDescTotalTotalAmtManagement And GeneralManagementAndGeneralAmtProgram ServicesProgramServicesAmt
PROVISION FOR LOAN LOSS$1,357,949$1,357,949
OPERATIONS EXPENSE$899,201$899,201
LOAN SERVICING EXPENSES$474,974$474,974
PROFESS. & OUTSIDE SERV$392,676$392,676

All Other Expenses AllOtherExpensesGrp

FieldValueIRS element (for citing)
Total$409,048TotalAmt
Program Services$409,048ProgramServicesAmt

Total Functional Expenses TotalFunctionalExpensesGrp

FieldValueIRS element (for citing)
Total$16,433,648TotalAmt
Program Services$15,075,699ProgramServicesAmt
Management And General$1,357,949ManagementAndGeneralAmt
Fundraising$0FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

FieldValueIRS element (for citing)
BOY$15,120,945BOYAmt
EOY$10,434,778EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

FieldValueIRS element (for citing)
BOY$1,355,954BOYAmt
EOY$1,975,455EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

FieldValueIRS element (for citing)
BOY$323,112,851BOYAmt
EOY$335,558,007EOYAmt
FieldValueIRS element (for citing)
Land Bldg Equip Cost Or Other Bss$22,741,523LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec$9,201,157LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

FieldValueIRS element (for citing)
BOY$13,451,945BOYAmt
EOY$13,540,366EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

FieldValueIRS element (for citing)
BOY$63,863,259BOYAmt
EOY$87,467,094EOYAmt

Other Assets Total OtherAssetsTotalGrp

FieldValueIRS element (for citing)
BOY$14,850,477BOYAmt
EOY$16,043,226EOYAmt

Total Assets TotalAssetsGrp

FieldValueIRS element (for citing)
BOY$431,755,431BOYAmt
EOY$465,018,926EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

FieldValueIRS element (for citing)
BOY$3,842,954BOYAmt
EOY$4,465,786EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

FieldValueIRS element (for citing)
BOY$69,500,000BOYAmt
EOY$84,135,000EOYAmt

Other Liabilities OtherLiabilitiesGrp

FieldValueIRS element (for citing)
BOY$312,387,949BOYAmt
EOY$331,745,588EOYAmt

Total Liabilities TotalLiabilitiesGrp

FieldValueIRS element (for citing)
BOY$385,730,903BOYAmt
EOY$420,346,374EOYAmt
FieldValueIRS element (for citing)
Org Does Not Follow SFAS117Yes (X)OrgDoesNotFollowSFAS117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

FieldValueIRS element (for citing)
BOY$0BOYAmt
EOY$0EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

FieldValueIRS element (for citing)
BOY$0BOYAmt
EOY$0EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

FieldValueIRS element (for citing)
BOY$46,024,528BOYAmt
EOY$44,672,552EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

FieldValueIRS element (for citing)
BOY$46,024,528BOYAmt
EOY$44,672,552EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

FieldValueIRS element (for citing)
BOY$431,755,431BOYAmt
EOY$465,018,926EOYAmt
FieldValueIRS element (for citing)
Reconcilation Revenue Expnss$671,463ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst-$2,023,439NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets$0OtherChangesInNetAssetsAmt
Method Of Accounting AccrualYes (X)MethodOfAccountingAccrualInd
Accountant Compile Or Review0AccountantCompileOrReviewInd
FS AuditedYes (1)FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

FieldValueIRS element (for citing)
Consolidated Basis Fincl StmtYes (X)ConsolidatedBasisFinclStmtInd
FieldValueIRS element (for citing)
Audit CommitteeYes (1)AuditCommitteeInd
Federal Grant Audit Required0FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$3,771,502OtherCostOrOtherBasisAmt
Book Value$3,771,502BookValueAmt

Buildings BuildingsGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$9,752,206OtherCostOrOtherBasisAmt
Depreciation$3,700,920DepreciationAmt
Book Value$6,051,286BookValueAmt

Equipment EquipmentGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$9,210,012OtherCostOrOtherBasisAmt
Depreciation$5,500,237DepreciationAmt
Book Value$3,709,775BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

FieldValueIRS element (for citing)
Other Cost Or Other Basis$7,803OtherCostOrOtherBasisAmt
Book Value$7,803BookValueAmt
FieldValueIRS element (for citing)
Total Book Value Land Buildings$13,540,366TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

FieldValueIRS element (for citing)
DescMEMBER DEPOSITSDesc
Amt$331,745,588Amt
FieldValueIRS element (for citing)
Total Liability$331,745,588TotalLiabilityAmt
Total Rev Etc Audited Fincl Stmt$17,105,111TotalRevEtcAuditedFinclStmtAmt
Revenue Not Reported$0RevenueNotReportedAmt
Revenue Subtotal$17,105,111RevenueSubtotalAmt
Revenue Not Reported Fincl Stmt$0RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990$17,105,111TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt$16,433,648TotExpnsEtcAuditedFinclStmtAmt
Expenses Not Reported$0ExpensesNotReportedAmt
Expenses Subtotal$16,433,648ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt$0ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990$16,433,648TotalExpensesPerForm990Amt

Schedule J IRS990ScheduleJ

FieldValueIRS element (for citing)
Board Or Committee ApprovalYes (X)BoardOrCommitteeApprovalInd
Severance Payment0SeverancePaymentInd
Supplemental Nonqual Rtr Plan0SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm0EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (6 entries)

TitleTitleTxtBase Compensation Filing OrgBaseCompensationFilingOrgAmtCompensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmtBonus Filing OrganizationBonusFilingOrganizationAmountBonus Related OrganizationsBonusRelatedOrganizationsAmtOther Compensation Filing OrgOtherCompensationFilingOrgAmtOther Compensation Rltd OrgsOtherCompensationRltdOrgsAmtDeferred Compensation Flng OrgDeferredCompensationFlngOrgAmtDeferred Comp Rltd OrgsDeferredCompRltdOrgsAmtNontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmtNontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmtTotal Compensation Filing OrgTotalCompensationFilingOrgAmtTotal Compensation Rltd OrgsTotalCompensationRltdOrgsAmtComp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmtComp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
MICHAEL A L'ECUYER
PRESIDENT & CEO$377,501$0$0$0$10,938$0$233,208$0$5,197$0$626,844$0$0$0
CLAIRE J MOSES
EVP/COO$199,206$0$0$0$2,531$0$59,778$0$817$0$262,332$0$0$0
JEFFREY R BENSON
VP/IS-CIO$145,792$0$0$0$401$0$14,500$0$775$0$161,468$0$0$0
NANCY D NADEAU
VP/ADMINISTRATOR$158,685$0$0$0$713$0$14,500$0$6,103$0$180,001$0$0$0
NATHAN D SALLER
VP/STRATEGY & GROWTH$137,910$0$0$0$277$0$11,000$0$7,416$0$156,603$0$0$0
SUZANNE BEAUBIEN
VP/RETAIL SERVICES$150,463$0$0$0$312$0$7,333$0$3,236$0$161,344$0$0$0

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (11 entries)

Relationship With OrgRelationshipWithOrgTxtLoan PurposeLoanPurposeTxtLoan From OrganizationLoanFromOrganizationIndOriginal PrincipalOriginalPrincipalAmtBalance DueBalanceDueAmtDefaultDefaultIndBoard Or Committee ApprovalBoardOrCommitteeApprovalIndWritten AgreementWrittenAgreementInd
MICHAEL L'ECUYER
OFFICERMORTGAGEYes (X)$369,000$287,1040Yes (1)Yes (1)
CLAIRE MOSES
OFFICEREQUITYYes (X)$36,737$3,4520Yes (1)Yes (1)
JONATHAN OGLEBAY
OFFICERMORTGAGEYes (X)$417,000$411,1510Yes (1)Yes (1)
DAVID ANDERSON
DIRECTORMORTGAGEYes (X)$99,904$98,4540Yes (1)Yes (1)
JOHN GENNETTI
DIRECTOREQUITYYes (X)$39,487$5000Yes (1)Yes (1)
JOHN GENNETTI
DIRECTORMORTGAGEYes (X)$317,800$146,0520Yes (1)Yes (1)
EVA MARTEL
DIRECTORMORTGAGEYes (X)$182,000$164,6490Yes (1)Yes (1)
CHRIS WILLIAMS
DIRECTORMORTGAGEYes (X)$208,453$208,5270Yes (1)Yes (1)
NANCY NADEAU
HIGHEST COMPENSATED EMPLOYEEEQUITYYes (X)$61,078$83,4550Yes (1)Yes (1)
BARBARA LUSSIER
HIGHEST COMPENSATED EMPLOYEEEQUITYYes (X)$285,950$275,9180Yes (1)Yes (1)
NATHAN SALLER
HIGHEST COMPENSATED EMPLOYEEMORTGAGEYes (X)$326,250$296,1930Yes (1)Yes (1)
FieldValueIRS element (for citing)
Total Balance Due$1,975,455TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (9 entries)

Form And Line ReferenceFormAndLineReferenceDescExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6ENTITY IS A CREDIT UNION WITH 33,282 MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7ATHE MEMBERS OF BCCU ELECT AT LEAST ONE MEMBER OF THE BOARD OF DIRECTORS.
FORM 990, PART VI, SECTION A, LINE 7BENTITY-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 11BTHE FORM 990 IS PRESENTED TO THE SUPERVISORY COMMITTEE FOR REVIEW.
FORM 990, PART VI, SECTION B, LINE 12CTHE CONFLICT OF INTEREST POLICY IS MONITORED ANNUALLY.
FORM 990, PART VI, SECTION B, LINE 15DETERMINED AFTER FORMAL ANNUAL REVIEWS WITH GOALS AND OBJECTIVES.
FORM 990, PART VI, SECTION C, LINE 19BCCU MAKES ITS DOCUMENTS AVAILABLE TO THE PUBLIC BY REQUEST WITH THE EXCEPTION OF THE FINANCIAL STATEMENTS WHICH ARE POSTED IN EACH BRANCH LOBBY.
FORM 990, PART VII CONTACT ADDRESSES FOR OFFICERS, DIRECTORS, ETCLISA M. THORNE - 6 SPRINGWOOD DRIVE, HOOKSETT, NH 03106. PATRICK C MCHUGH - 20 WINTER DRIVE, HOOKSETT, NH 03106. DAVID C. ANDERSON - 96 SPOFFORD ROAD, AUBURN, NH 03032. CHRIS WILLIAMS - 7 MAHOGANY DRIVE, NASHUA, NH 03062. JOHN J. GENNETTI - 79 WHITE ROCK HILL ROAD, BOW, NH 03304. EVA L. MARTEL - 2 OLD COVENTRY LANE, BEDFORD, NH 03110. R. BRUCE WILSON - 40 CAMPFIRE CIRCLE, ALTON, NH 03809. TINA ANDRADE - 10 CLYDESDALE CIRCLE, NASHUA, NH 03062. MORGAN SMITH - 221 CRESTVIEW ROAD, MANCHESTER, NH 03104. GAIL GARCEAU - 214 NO AMHERST ROAD, BEDFORD, NH 03110. MARK BREWER - 61 SOUTH ROAD, DEERFIELD, NH 03037. MAURA WESTON - 16 AUBURN STREET, CONCORD, NH 03301.
FORM 990, PART IX, LINE 24EDONATIONS : PROGRAM SERVICE EXPENSES 181,638. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 181,638. OTHER : PROGRAM SERVICE EXPENSES 137,959. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 137,959. ANNUAL MEETING EXPENSES : PROGRAM SERVICE EXPENSES 46,354. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 46,354. MEAL EXPENSES : PROGRAM SERVICE EXPENSES 25,033. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 25,033. GAIN(LOSS) ON DISPOSAL OF ASSET : PROGRAM SERVICE EXPENSES 13,164. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 13,164. BOARD/COMMITTEE COSTS : PROGRAM SERVICE EXPENSES 4,900. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 4,900.

Schedule R IRS990ScheduleR

Id Related Tax Exempt Org IdRelatedTaxExemptOrgGrp

Disregarded Entity Name DisregardedEntityName

FieldValueIRS element (for citing)
Business Name Line1TCU FINANCIAL SERVICES LLCBusinessNameLine1Txt

US Address USAddress

FieldValueIRS element (for citing)
Address Line1425 D W HIGHWAYAddressLine1Txt
CityMANCHESTERCityNm
State AbbreviationNHStateAbbreviationCd
ZIP031042632ZIPCd
FieldValueIRS element (for citing)
Primary ActivitiesFINANCIAL SERVICESPrimaryActivitiesTxt
Legal Domicile StateNHLegalDomicileStateCd
Exempt Code Section501(C)(14)ExemptCodeSectionTxt

Direct Controlling Entity Name DirectControllingEntityName

FieldValueIRS element (for citing)
Business Name Line1BELLWETHER COMMUNITY CREDIT UNIONBusinessNameLine1Txt
FieldValueIRS element (for citing)
Controlled Organization0ControlledOrganizationInd
FieldValueIRS element (for citing)
Receipt Of Int Annts Rnts Rylts0ReceiptOfIntAnntsRntsRyltsInd
Gift Grnt Or Cap Contri To Oth Org0GiftGrntOrCapContriToOthOrgInd
Gift Grnt Cap Contri From Oth Org0GiftGrntCapContriFromOthOrgInd
Loans Or Guarantees To Other Org0LoansOrGuaranteesToOtherOrgInd
Loans Or Guarantees From Oth Org0LoansOrGuaranteesFromOthOrgInd
Div Related Organization0DivRelatedOrganizationInd
Asset Sale To Other Org0AssetSaleToOtherOrgInd
Asset Purchase From Other Org0AssetPurchaseFromOtherOrgInd
Asset Exchange0AssetExchangeInd
Rental Of Facilities To Oth Org0RentalOfFacilitiesToOthOrgInd
Rental Of Fclts From Oth Org0RentalOfFcltsFromOthOrgInd
Perform Of Services For Oth Org0PerformOfServicesForOthOrgInd
Perform Of Services By Other Org0PerformOfServicesByOtherOrgInd
Sharing Of Facilities0SharingOfFacilitiesInd
Paid Employees Sharing0PaidEmployeesSharingInd
Reimbursement Paid To Other Org0ReimbursementPaidToOtherOrgInd
Reimbursement Paid By Other Org0ReimbursementPaidByOtherOrgInd
Transfer To Other Org0TransferToOtherOrgInd
Transfer From Other Org0TransferFromOtherOrgInd

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