2015-08-13T13:28:07-05:00 2014-12-31 030210880 A M PEISCH & COMPANY LLP 1020 MEMORIAL DRIVE ST JOHNSBURY VT 05819 990 2014-01-01 020196520 BELLWETHER COMMUNITY CREDIT UNION BELL 6036458181 425 HOOKSETT ROAD MANCHESTER NH 03104 PAUL D ROY CFO 6036458181 2015-08-13 1 RICHARD F LYON CPA P00281531 8027485654 2014 2016-03-07 17:11:31Z PAUL D ROY 425 HOOKSETT ROAD MANCHESTER NH 03104 20514142 0 X WWW.BCCU.COM X 1921 NH OPERATE A STATE CHARTERED CREDIT UNION FOR THE BENEFIT OF ITS MEMBERS. 9 9 102 0 259472 100385 0 0 11001550 11632460 2684531 2255726 2167417 1807188 15853498 15695374 0 0 1509740 1419328 6244134 6391968 0 0 0 7282128 7004277 15036002 14815573 817496 879801 387752721 408453517 344888779 362235455 42863942 46218062 TO OPERATE A STATE CHARTERED CREDIT UNION TO PROVIDE LOAN AND DEPOSIT SERVICES FOR THE BENEFIT OF ITS MEMBERS. 0 0 13900897 15435902 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. 13900897 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 80 0 1 102 1 1 1 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 PAUL D ROY 6036458181 425 HOOKSETT ROAD MANCHESTER NH 03104 LISA M THORNE CHAIRMAN 1.00 X 0 0 0 CALVIN B FROST SECRETARY/TREASURER 1.00 X 0 0 0 PATRICK C MCHUGH VICE CHAIR 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 COMMITTE 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 ERLE PIERCE ADVISORY COMMITTEE 1.00 X 0 0 0 TINA ANDRADE ADVISORY COMMITTEE 1.00 X 0 0 0 MICHAEL A L'ECUYER PRESIDENT & CEO 45.00 X 321222 0 213578 CLAIRE J MOSES EVP/COO 45.00 X 180758 0 66671 PAUL D ROY SVP/CFO 45.00 X 139823 0 19010 JEFFREY R BENSON VP/IS-CIO 45.00 X 147005 0 7775 JOHN GUNTHER VP/RISK MANAGEMENT 45.00 X 127748 0 4535 BARBARA H LUSSIER VP/LENDING 45.00 X 116908 0 12543 NANCY D NADEAU VP/ADMINISTRATOR 45.00 X 120235 0 12543 NATHAN D SALLER VP/SALES & MARKETING 45.00 X 114226 0 13767 1267925 0 350422 8 0 1 0 HARVEY CONSTRUCTION CORP 10 HARVEY RD BEDFORD NH 031106805 BUILDING REMODELING 1082276 KJB VENTURES AND MAPLE LEAF CONSTRUCTION DOBSON WAY / CAMP SARGENT RD MERRIMACK NH 03054 BUSINESS LOAN 1021836 PSCU 560 CARILLON PARKWAY ST PETERSBURG FL 33716 CREDIT CARD PROCESSOR 714120 HARVARD PILGRIM HEALTH CARE PO BOX 970050 BOSTON MA 022970050 EMPLOYEE HEALTH CARE 580906 JOHN HANCOCK LIFE INSURANCE CO PO BOX 7247-0146 PHILADELPHIA PA 191700146 EXECUTIVE BENEFITS 475201 18 INTEREST INCOME 522100 11632460 11632460 11632460 2026965 2026965 2925 9577 -6652 -6652 -6652 5037952 4809191 228761 228761 228761 FEE & SERVICE INCOME 522100 1401644 1142172 259472 INTERCHANGE FEES 522100 412196 412196 1813840 15695374 15435902 259472 0 1419328 1419328 1267925 1267925 3307713 3307713 1816330 1816330 576716 576716 930149 930149 1065787 1065787 506423 506423 OPERATIONS EXPENSE 1622937 1622937 PROVISION FOR LOAN LOSS 914676 914676 LOAN SERVICING EXPENSES 460280 460280 PROFESS. & OUTSIDE SERV 340758 340758 586551 586551 14815573 13900897 914676 0 14556240 14078161 1808971 1691002 259761679 285983136 20659282 7576165 11516422 13083117 87848668 80336128 12260741 13281973 387752721 408453517 3695650 3972529 60000000 65000000 281193129 293262926 344888779 362235455 X 0 0 0 0 42863942 46218062 42863942 46218062 387752721 408453517 879801 2474319 0 X 0 1 X 1 0 3771502 3771502 9855335 3127509 6727826 6480787 4448656 2032131 551658 551658 13083117 MEMBER DEPOSITS 293262926 293262926 X 0 0 0 MICHAEL A L'ECUYER PRESIDENT & CEO 312477 0 0 0 8745 0 211078 0 2500 0 534800 0 0 0 CLAIRE J MOSES EVP/COO 178333 0 0 0 2425 0 65854 0 817 0 247429 0 0 0 PAUL D ROY SVP/CFO 139194 0 0 0 629 0 15000 0 4010 0 158833 0 0 0 JEFFREY R BENSON VP/IS-CIO 146675 0 0 0 330 0 7000 0 775 0 154780 0 0 0 MICHAEL L'ECUYER OFFICER MORTGAGE X 369000 331622 0 1 1 CLAIRE MOSES OFFICER EQUITY X 36737 5623 0 1 1 PAUL ROY OFFICER OPEN X 10000 9015 0 1 1 PAUL ROY OFFICER MORTGAGE X 336000 280521 0 1 1 DAVID ANDERSON DIRECTOR EQUITY X 43075 43075 0 1 1 CALVIN FROST DIRECTOR MORTGAGE X 240000 233582 0 1 1 JOHN GENNETTI DIRECTOR USED AUTO X 14831 0 0 1 1 JOHN GENNETTI DIRECTOR EQUITY X 39487 35706 0 1 1 JOHN GENNETTI DIRECTOR MORTGAGE X 317800 288220 0 1 1 EVA MARTEL DIRECTOR MORTGAGE X 182000 172106 0 1 1 CHRIS WILLIAMS DIRECTOR USED AUTO X 26011 0 0 1 1 CHRIS WILLIAMS DIRECTOR MORTGAGE X 208453 177381 0 1 1 JEFFREY BENSON HIGHEST COMPENSATED EMPLOYEE EQUITY X 34995 0 0 1 1 JOHN GUNTHER HIGHEST COMPENSATED EMPLOYEE EQUITY X 61067 48500 0 1 1 NANCY NADEAU HIGHEST COMPENSATED EMPLOYEE NEW AUTO X 25831 0 0 1 1 NANCY NADEAU HIGHEST COMPENSATED EMPLOYEE EQUITY X 61078 37133 0 1 1 BARBARA LUSSIER HIGHEST COMPENSATED EMPLOYEE EQUITY X 28950 28518 0 1 1 1691002 FORM 990, PART VI, SECTION A, LINE 6 ENTITY IS A CREDIT UNION WITH 28,389 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. PATRICK C MCHUGH - 20 WINTER DRIVE, HOOKSETT, NH 03106. PAUL LABONTE - 84 BRICKMILL ROAD, BEDFORD, NH 03110. 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 - 56 SETON DRIVE, BEDFORD, NH 03110. DR. SCOTT BOBBITT - 76 ALLDS STREET, NASHUA, NH 03060. ERLE PIERCE - 9 STONE SLED LANE, BOW, NH 03304. TINA ANDRADE - 10 CLYDESDALE CIRCLE, NASHUA, NH 03062. 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