2022-11-03T13:47:02-05:00 2021-12-31 010523282 Berry Dunn McNeil & Parker LLC 1000 Elm Street 4th Floor Manchester NH 03101 990 2021-01-01 020196520 Bellwether Community Credit Union BELL 6036458181 425 Hooksett Road Manchester NH 03104 Jonathan Oglebay CFO 6036458181 2022-10-28 1 Jonathan Oglebay 999009999 Melissa Magoon CPA P01712842 6036697337 2022-10-28 3 AAL1 IAL1 2021 2022-09-23 18:48:47Z Jonathan Oglebay 425 Hooksett Road Manchester NH 03104 24114374 0 X www.bccu.org X 1921 NH Operate a state chartered credit union for the benefit of its members. 9 9 119 9 349077 159603 0 0 18336738 19462675 3293405 2492505 0 0 21630143 21955180 0 0 3579686 1696624 7745813 8382228 0 0 0 9207607 7295109 20533106 17373961 1097037 4581219 525981629 557690894 470521835 500537196 55459794 57153698 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 29,000 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 80 0 1 119 1 1 1 0 0 0 0 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 0 1 1 1 1 1 1 1 1 0 NH X Jonathan Oglebay 6036458181 425 Hooksett Road Manchester NH 03104 Seth Wall Chair 1.00 X X 0 0 0 John J Gennetti Vice Chair 1.00 X X 0 0 0 Gail Garceau Secretary & Treasurer 1.00 X X 0 0 0 Kate Luczko Director 1.00 X 0 0 0 Eva L Martel Director 1.00 X 0 0 0 Patrick C McHugh Director 1.00 X 0 0 0 Nick Soggu Director 1.00 X 0 0 0 Maura Weston Director 1.00 X 0 0 0 Len Williams Director 1.00 X 0 0 0 David C Anderson Past Director 1.00 X 0 0 0 Morgan Smith Past Director 1.00 X 0 0 0 Nathan D Saller President & CEO 50.00 X 479340 0 50106 Jonathan Oglebay SVP/CFO 45.00 X 218113 0 45478 Jeffrey R Benson SVP/COO 50.00 X 199485 0 65540 Nancy D Nadeau SVP/CAO 50.00 X 200566 0 111508 Lori Holmes VP/Marketing 45.00 X 143068 0 26760 Suzanne Beaubien VP/Retail Services 45.00 X 141689 0 32297 J Michael Perrella VP/Business Services 45.00 X 163975 0 40796 William Guilfoil VP/Residental Lending 45.00 X 157120 0 43684 William Zafirson SVP/CLO 50.00 X 210452 0 42254 1913808 0 458423 13 0 1 0 PSCU 560 Carillon Parkway St Petersburg FL 33716 Credit Card Vendor 771387 Q2 Software Inc PO Box 205970 Dallas TX 75320 Online Banking 518561 Corelation 2305 Historic Decatur Road Suite 3 San Diego CA 92106 Keystone Software 267101 Financial Statement Services 3300 South Fairview Street Santa Ana CA 92704 Statement Printing/Mailing 183485 Information Management Solutions Inc 2397 MW Kings Blvd 251 Corvalis OR 97330 Backup/Disaster Recovery 160980 10 Interest Income 522100 14444566 14444566 Fee & Service Income 522100 5018109 4669032 349077 19462675 2291184 2291184 2360515 2159194 201321 201321 201321 21955180 19113598 349077 2492505 1696624 1370134 5072309 529648 986768 423369 38000 168801 255246 489565 55427 1390652 656321 20452 9181 704557 867705 89187 Miscellaneous Expenses 1003565 Operations Expense 975415 Loan Servicing Expenses 770860 Provision for Loan Loss -199825 17373961 X 1454841 7849385 32996140 35363335 368338407 376447383 24072371 13783720 10776677 10288651 95051835 107875661 17363729 19866479 525981629 557690894 3489955 4290430 38749687 44574687 428282193 451672079 470521835 500537196 X 0 0 0 0 55459794 57153698 55459794 57153698 525981629 557690894 4581219 -2887315 0 X 0 1 X 1 0 3771502 3771502 9911269 5255276 4655993 10123201 8528444 1594757 266399 266399 10288651 Member Deposits 451672079 451672079 19067865 -2887315 -2887315 21955180 0 21955180 17373961 0 17373961 0 17373961 X X X X X 0 1 0 Nathan D Saller President & CEO 288515 0 33265 0 157560 0 17201 0 32905 0 529446 0 134252 0 Nancy D Nadeau SVP/CAO 177992 0 21140 0 1434 0 89372 0 22136 0 312074 0 0 0 Jeffrey R Benson SVP/COO 175565 0 23103 0 817 0 63627 0 1913 0 265025 0 0 0 Jonathan Oglebay SVP/CFO 146813 0 20827 0 50473 0 12573 0 32905 0 263591 0 46848 0 William Zafirson SVP/CLO 172284 0 35792 0 2376 0 18310 0 23944 0 252706 0 0 0 J Michael Perrella VP/Business Services 144727 0 17542 0 1706 0 18344 0 22452 0 204771 0 0 0 William Guilfoil VP/Residental Lending 114955 0 16783 0 25382 0 11074 0 32610 0 200804 0 0 0 Suzanne Beaubien VP/Retail Services 124036 0 17080 0 573 0 19624 0 12673 0 173986 0 0 0 Lori Holmes VP/Marketing 126883 0 14479 0 1706 0 4105 0 22655 0 169828 0 0 0 Part I, Line 4b Jeffrey Benson, William Zafirson, Nancy Nadeau, Suzanne Beaubien, and J. Michael Perrella participated in the 457f plan. Form 990, Part VI, Section A, line 6 Entity is a credit union with 29,000 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 decision for mergers in which BCCU is the entity being acquired requires membership approval. Form 990, Part VI, Section B, line 11b The Form 990 is presented to supervisory committee for review and approval. It is then provided to the full Board of Directors. 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 The compensation package for the President/CEO falls under the direction of BCCU's Personnel Committee, which is made up of individuals from the Board of Directors. Utilizing a combination of a partnership with a third party consultant, industry data, competitive compensation surveys, best practices, and assistance from the Credit Union's human resources executive, the Personnel Committee designs and recommends a compensation package that is competitive and fair. The compensation package for the President/CEO includes such things as a written employment contract, salary, benefits, and bonuses/incentives. Working with a third-party consultant, the Personnel Committee, reviews the compensation package as well as the performance of the President/CEO no less than annually and presents findings and recommendations to the Board for approval. 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). Bellwether Insurance 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