2014-11-17T15:16:33-06:00 2013-12-31 030210880 A M PEISCH & COMPANY LLP 1020 MEMORIAL DRIVE ST JOHNSBURY VT 05819 990 2013-01-01 020196520 BELLWETHER COMMUNITY CREDIT UNION BELL 6036458181 425 HOOKSETT ROAD MANCHESTER NH 03104 PAUL D ROY CFO 6036458181 2014-11-17 1 RICHARD F LYON CPA P00281531 8027485654 2013 2015-11-30 17:44:51Z PAUL D ROY 425 HOOKSETT ROAD MANCHESTER NH 03104 30100674 0 X WWW.BCCU.COM X 1921 NH OPERATE A STATE CHARTERED CREDIT UNION FOR THE BENEFIT OF ITS MEMBERS. 11 11 95 0 269011 94783 0 0 10363533 11001550 3333395 2684531 2091877 2167417 15788805 15853498 0 0 1865438 1509740 6028339 6244134 0 0 0 6832571 7282128 14726348 15036002 1062457 817496 361090437 387752721 314707356 344888779 46383081 42863942 TO OPERATE A STATE CHARTERED CREDIT UNION TO PROVIDE LOAN AND DEPOSIT SERVICES FOR THE BENEFIT OF ITS MEMBERS. 0 0 14129957 15584487 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 32,000 INDIVIDUALS. 14129957 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 1 0 0 0 0 0 0 0 0 0 1 0 0 1 50 0 1 95 1 1 1 0 0 0 0 0 0 0 X 11 11 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 0 NH X PAUL D ROY 6036458181 425 HOOKSETT ROAD MANCHESTER NH 03104 LISA M THORNE CHAIRMAN 1.00 X 0 0 0 CALVIN B FROST VICE CHAIRMAN 1.00 X 0 0 0 GLORIA V BOUCHARD SECRETARY/TREASURER 1.00 X 0 0 0 PATRICK C MCHUGH DIRECTOR 1.00 X 0 0 0 PAUL LABONTE DIRECTOR 1.00 X 0 0 0 DAVID C ANDERSON DIRECTOR 1.00 X 0 0 0 CHRIS WILLIAMS DIRECTOR 1.00 X 0 0 0 JOHN J GENNETTI DIRECTOR 1.00 X 0 0 0 EVA L MARTEL CHAIR SUPERVISORY COMMITTEE 1.00 X 0 0 0 R BRUCE WILSON SUPERVISORY COMMITTEE 1.00 X 0 0 0 DR SCOTT BOBBITT SUPERVISORY COMMITTEE 1.00 X 0 0 0 MICHAEL A L'ECUYER PRESIDENT & CEO 45.00 X 306167 0 229820 CLAIRE J CASTANINO EVP/COO 45.00 X 172128 0 67633 PAUL D ROY SVP/CFO 45.00 X 132559 0 18914 JEFFREY R BENSON VP/IS-CIO 45.00 X 113735 0 7775 JOHN GUNTHER VP/RISK MANAGEMENT 45.00 X 119197 0 3904 BARBARA H LUSSIER VP/LENDING 45.00 X 106370 0 12082 NANCY D NADEAU VP/ADMINISTRATOR 45.00 X 133089 0 11725 NATHAN D SALLER VP/SALES & MARKETING 45.00 X 107180 0 13438 1190425 0 365291 8 0 1 0 PSCU 560 CARILLON PARKWAY ST PETERSBURG FL 33716 CREDIT CARD PROCESSOR 518426 HARVEY CONSTRUCTION CORP 10 HARVEY ROAD BEDFORD NH 03110 CONSTRUCTION COMPANY 426308 EISENBERG VITAL & RYZE 155 DOW ST SUITE 101 MANCHESTER NH 03101 MARKETING CONSULTANT 369871 HARVARD PILGRIM HEALTH CARE PO BOX 970050 BOSTON MA 022970050 EMPLOYEE HEALTH CARE 297727 JOHN HANCOCK LIFE INSURANCE CO PO BOX 7247-0146 PHILADELPHIA PA 191700146 EXECUTIVE BENEFITS 287701 16 INTEREST INCOME 522100 11001550 11001550 11001550 1990656 1990656 94933 88925 6008 6008 6008 14852126 14158251 693875 693875 693875 FEE & SERVICE INCOME 522100 1724074 1455063 269011 INTERCHANGE FEES 522100 437335 437335 2161409 15853498 15584487 269011 0 1509740 1509740 1190425 1190425 3235943 3235943 1817766 1817766 595083 595083 864525 864525 1014433 1014433 450820 450820 OPERATIONS EXPENSE 1358360 1358360 PROVISION FOR LOAN LOSS 906045 906045 OTHER 690086 690086 LOSS ON INVESTMENTS 649080 649080 753696 753696 15036002 14129957 906045 0 9265826 14556240 744359 1808971 243335047 259761679 0 18214561 6698139 11326458 11516422 87543614 87848668 8875133 12260741 361090437 387752721 3445596 3695650 41000000 60000000 270261760 281193129 314707356 344888779 X 0 0 0 0 46383081 42863942 46383081 42863942 361090437 387752721 817496 -4336635 0 X 0 1 X 1 0 3771502 3771502 8082693 2796535 5286158 5529137 3901604 1627533 831229 831229 11516422 MEMBER DEPOSITS 281193129 281193129 15853499 0 15853499 0 15853499 15036002 0 15036002 0 15036002 X 0 0 0 MICHAEL A L'ECUYER PRESIDENT & CEO 298382 0 7785 0 0 0 227609 0 2211 0 535987 0 0 0 CLAIRE J CASTANINO EVP/COO 169993 0 2135 0 0 0 65854 0 1779 0 239761 0 0 0 PAUL D ROY SVP/CFO 132162 0 397 0 0 0 15000 0 3914 0 151473 0 0 0 MICHAEL L'ECUYER OFFICER MORTGAGE X 369000 352243 0 1 1 CLAIRE CONSTANINO OFFICER EQUITY X 36737 11382 0 1 1 PAUL ROY OFFICER OPEN X 10000 9729 0 1 1 PAUL ROY OFFICER MORTGAGE X 336000 287695 0 1 1 DAVID ANDERSON DIRECTOR EQUITY X 42564 42564 0 1 1 CALVIN FROST DIRECTOR MORTGAGE X 240000 238735 0 1 1 JOHN GENNETTI DIRECTOR USED AUTO X 14831 13727 0 1 1 JOHN GENNETTI DIRECTOR EQUITY X 39487 39135 0 1 1 JOHN GENNETTI DIRECTOR MORTGAGE X 317800 301039 0 1 1 EVA MARTEL DIRECTOR MORTGAGE X 182000 175458 0 1 1 CHRIS WILLIAMS DIRECTOR USED AUTO X 26011 2905 0 1 1 CHRIS WILLIAMS DIRECTOR MORTGAGE X 208453 182855 0 1 1 JEFFREY BENSON HIGHEST COMPENSATED EMPLOYEE EQUITY X 34995 34738 0 1 1 JOHN GUNTHER HIGHEST COMPENSATED EMPLOYEE EQUITY X 61067 64662 0 1 1 NANCY NADEAU HIGHEST COMPENSATED EMPLOYEE NEW AUTO X 25831 12350 0 1 1 NANCY NADEAU HIGHEST COMPENSATED EMPLOYEE EQUITY X 61078 39754 0 1 1 1808971 FORM 990, PART VI, SECTION A, LINE 6 ENTITY IS A CREDIT UNION WITH 32,040 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 11 THE FORM 990 IS PRESENTED TO THE SUPERVISORY COMMITTEE FOR REVIEW. FORM 990, PART VI, SECTION B, LINE 12C THE CONFLICT OF INTEREST POLICY IS MONITORED ANNUALLY. FORM 990, PART VI, SECTION B, LINE 15 DETERMINED AFTER FORMAL ANNUAL REVIEWS WITH GOALS AND OBJECTIVES. FORM 990, PART VI, SECTION C, LINE 19 BCCU 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 LISA M. THORNE - 6 SPRINGWOOD DRIVE, HOOKSETT , NH 03106. CALVIN B. FROST - 293 SOUTH MAMMOTH ROAD, MANCHESTER, NH 03109. GLORIA V. BOUCHARD - 283 WARD STREET, MANCHESTER, NH 03104. PATRICK C MCHUGH - 20 WINTER DRIVE, HOOKSETT , NH 03106. PAUL LABONTE - 84 BRICKMILL ROAD, BEDFORD , NH 03110. DAVID C. ANDERSON - 696 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 - 56 SETON DRIVE, BEDFORD , NH 03110. DR. SCOTT BOBBITT - 76 ALLDS STREET, NASHUA , NH 03060. 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