2021-05-11T13:33:49-05:00 2020-12-31 010523282 Berry Dunn McNeil & Parker LLC 1000 Elm Street 4th Floor Manchester NH 03101 990 2020-01-01 020196520 Bellwether Community Credit Union BELL 6036458181 425 Hooksett Road Manchester NH 03104 Jonathan Oglebay CFO 6036458181 2021-05-07 1 Jonathan Oglebay 999009999 Melissa Magoon CPA P01712842 6036697337 2021-05-07 2 AAL1 IAL1 2020 2022-09-23 18:48:47Z Jonathan Oglebay 425 Hooksett Road Manchester NH 03104 27364082 0 X www.bccu.org X 1921 NH Operate a state chartered credit union for the benefit of its members. 9 9 105 10 290198 123506 0 0 20240138 18336738 4885602 3293405 0 0 25125740 21630143 0 0 4948972 3579686 7842619 7745813 0 0 0 10538388 9207607 23329979 20533106 1795761 1097037 529448434 525981629 477118233 470521835 52330201 55459794 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 31,900 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 72 0 1 105 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 1 1 1 1 1 1 1 1 1 1 0 NH X Jonathan Oglebay 6036458181 425 Hooksett Road Manchester NH 03104 John J Gennetti Chair 1.00 X X 0 0 0 Seth Wall Vice Chair 1.00 X X 0 0 0 Gail Garceau Secretary & Treasurer 1.00 X X 0 0 0 David C Anderson 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 Morgan Smith 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 Lisa M Thorne Past Secretary & Treasurer 1.00 X X 0 0 0 Nathan D Saller President & CEO 45.00 X 274868 0 101327 Jonathan Oglebay SVP/CFO 45.00 X 167680 0 57303 Jeffrey R Benson SVP/COO 45.00 X 197278 0 66067 Nancy D Nadeau SVP/CAO 45.00 X 175337 0 112342 Barbara H Lussier VP/Consumer Lending 45.00 X 159014 0 41831 Suzanne Beaubien VP/Retail Services 45.00 X 170979 0 27377 J Michael Perrella VP/Business Services 45.00 X 138937 0 42797 William Guilfoil VP/Residental Lending 45.00 X 163701 0 19713 William Zafirson SVP/CLO 45.00 X 188151 0 26484 1635945 0 495241 14 0 1 0 PSCU 560 Carillon Parkway St Petersburg FL 33716 Credit Card Vendor 742822 Q2 Software Inc PO Box 205970 Dallas TX 75320 Online Banking 504220 Financial Statement Services Inc 3300 S Fairview St Santa Ana CA 92704 Producing/Mailing Statements 201563 Beliveau Fradette & Gallant PA 91 Bay Street Manchester NH 03104 Legal 148499 Information Management Solutions Inc 2397 MW Kings Blvd 251 Corvalis OR 97330 Backup/Disaster Recovery 129997 8 Interest Income 522100 15073176 15073176 Fee & Service Income 522100 3263562 2973364 290198 18336738 3173315 3173315 5854029 5733939 120090 120090 120090 21630143 18046540 290198 3293405 3579686 1152202 4968085 328808 914419 382299 40116 143948 294113 416410 56673 1270713 652212 9810 14579 1115973 907619 91327 Provision for Loan Loss 1565453 Operations Expense 938894 Loan Servicing Expenses 718772 Interchange Fees 654362 316633 20533106 X 5662690 1454841 24274312 32996140 354360364 368338407 23693863 12917186 11475811 10776677 116208578 95051835 17466679 17363729 529448434 525981629 3800585 3489955 72249687 38749687 401067961 428282193 477118233 470521835 X 0 0 0 0 52330201 55459794 52330201 55459794 529448434 525981629 1097037 2032556 0 X 0 1 X 1 0 3771502 3771502 9879963 4919743 4960220 10019898 7997443 2022455 22500 22500 10776677 Member Deposits 428282193 428282193 23662699 2032556 2032556 21630143 0 21630143 20533106 0 20533106 0 20533106 X X X X 0 1 0 Nathan D Saller President & CEO 244971 0 29336 0 561 0 66307 0 35020 0 376195 0 0 0 Nancy D Nadeau SVP/CAO 154256 0 19691 0 1390 0 87947 0 24395 0 287679 0 0 0 Jeffrey R Benson SVP/COO 175289 0 21164 0 825 0 63063 0 3004 0 263345 0 0 0 Jonathan Oglebay SVP/CFO 147928 0 19278 0 474 0 22345 0 34958 0 224983 0 0 0 William Zafirson SVP/CLO 165525 0 20250 0 2376 0 9167 0 17317 0 214635 0 0 0 Barbara H Lussier VP/Consumer Lending 139684 0 17480 0 1850 0 20760 0 21071 0 200845 0 0 0 Suzanne Beaubien VP/Retail Services 154428 0 15980 0 571 0 13546 0 13831 0 198356 0 0 0 William Guilfoil VP/Residental Lending 148874 0 14459 0 368 0 6083 0 13630 0 183414 0 0 0 J Michael Perrella VP/Business Services 122253 0 15044 0 1640 0 17701 0 25096 0 181734 0 0 0 Part I, Line 4b Nathan Saller, Jeffrey Benson, Jonathan Oglebay, William Zafirson, Nancy Nadeau, Barbara Lussier, 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 31,900 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 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. 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