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Nonprofiteer
← Bellwether Community Credit Union

Form 990 for tax year 2024

Filed by Bellwether Community Credit Union.

Totals

Total revenue
$33,425,054
Total expenses
$32,462,420
Contributions and grants received
$0
Grants paid
$100,233
Program service revenue
$29,764,129
Investment income
$3,660,925
Other revenue
$0
Total assets, end of year
$617,873,989
Total liabilities, end of year
$566,928,647
Net assets or fund balances, end of year
$50,945,342
Program services expenses (Part IX)
not reported
Management and general expenses
not reported
Fundraising expenses
not reported
Program service expenses (Part III)
not reported

Listed in Part VII

  • Gail Garceau

    Chairwoman

    Total calculated
    $0
    Hours/week
    1

  • Nick Soggu

    Vice Chair

    Total calculated
    $0
    Hours/week
    1

  • Kate Luczko

    Secretary/Treasurer

    Total calculated
    $0
    Hours/week
    1

  • Eva L Martel

    Director/Supervisory Commi

    Total calculated
    $0
    Hours/week
    1

  • John J Gennetti

    Director

    Total calculated
    $0
    Hours/week
    1

  • Sean O'Kane

    Director

    Total calculated
    $0
    Hours/week
    1

  • Seth Wall

    Director

    Total calculated
    $0
    Hours/week
    1

  • Maura Weston

    Director

    Total calculated
    $0
    Hours/week
    1

  • Len Williams

    Director

    Total calculated
    $0
    Hours/week
    1

  • Nathan D Saller

    President & CEO

    Total calculated
    $511,243
    From this org
    $449,220
    From related orgs
    $0
    Other
    $62,023
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $367,129
    Bonus
    $73,640
    Other
    $8,451
    Deferred
    $27,637
    Nontaxable benefits
    $34,386
    Filer's total
    $511,243

  • Jonathan Oglebay

    SVP/CFO

    Total calculated
    $229,471
    From this org
    $179,594
    From related orgs
    $0
    Other
    $49,877
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $160,795
    Bonus
    $17,989
    Other
    $810
    Deferred
    $15,406
    Nontaxable benefits
    $34,471
    Filer's total
    $229,471

  • Matthew Haines

    SVP/COO

    Total calculated
    $122,877
    From this org
    $119,029
    From related orgs
    $0
    Other
    $3,848
    Hours/week
    45

  • Nancy D Nadeau

    Past SVP/CAO

    Total calculated
    $669,512
    From this org
    $654,400
    From related orgs
    $0
    Other
    $15,112
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $142,721
    Bonus
    $19,605
    Other
    $492,074
    Deferred
    $7,208
    Nontaxable benefits
    $7,904
    Filer's total
    $669,512

  • William Zafirson

    SVP/CLO

    Total calculated
    $313,654
    From this org
    $247,132
    From related orgs
    $0
    Other
    $66,522
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $200,491
    Bonus
    $21,453
    Other
    $25,188
    Deferred
    $40,788
    Nontaxable benefits
    $25,734
    Filer's total
    $313,654

  • Heather Tancreti

    VP/Consumer Lending

    Total calculated
    $211,571
    From this org
    $169,656
    From related orgs
    $0
    Other
    $41,915
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $152,305
    Bonus
    $17,030
    Other
    $321
    Deferred
    $10,580
    Nontaxable benefits
    $31,335
    Filer's total
    $211,571

  • J Michael Perrella

    VP/Business Services

    Total calculated
    $196,608
    From this org
    $162,608
    From related orgs
    $0
    Other
    $34,000
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $143,081
    Bonus
    $15,755
    Other
    $3,772
    Deferred
    $10,119
    Nontaxable benefits
    $23,881
    Filer's total
    $196,608

  • Lori Holmes

    VP/Marketing

    Total calculated
    $195,777
    From this org
    $157,352
    From related orgs
    $0
    Other
    $38,425
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $139,870
    Bonus
    $15,540
    Other
    $1,942
    Deferred
    $13,135
    Nontaxable benefits
    $25,290
    Filer's total
    $195,777

  • Suzanne Beaubien

    VP/Retail Services

    Total calculated
    $183,206
    From this org
    $156,834
    From related orgs
    $0
    Other
    $26,372
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $140,297
    Bonus
    $15,298
    Other
    $1,239
    Deferred
    $12,925
    Nontaxable benefits
    $13,447
    Filer's total
    $183,206

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us.

Schedule J

Answered yes

  • 3 · Compensation committee
  • 3 · Independent compensation consultant
  • 3 · Written employment contract
  • 3 · Compensation survey or study
  • 3 · Approval by the board or compensation committee
  • 4b · Supplemental nonqualified retirement plan

Answered no

  • 4a · Severance or change-of-control payment
  • 4c · Equity-based compensation arrangement

The filer's explanations (Part III)

Part I, Line 4b
William Zafirson and Nancy Nadeau participated in the 457f plan. William Zafirson received $22,500. Upon Nancy Nadeau's retirement, she received a payment of $490,170.

Part I's answers as filed. A line not listed was left unanswered; on lines 1a and 3 that means the box was not checked.

Grants on this return

Taxable family on this return

Schedule R Parts I, III and IV, as filed. These record ownership and control, not shared board members or money moved.

Disregarded entities

Part I: entities that legally are the filer and file no return of their own.

  • Bellwether Insurance Services LLC

    Financial Services · NH · income $0 · assets $23,147

    Directly controlled by Bellwether Community Credit Union

Provenance

Return type
form_990
Tax year
2024
Filed
26 October 2025
IRS schema version
2024v5.2
Source object
202503009349301870

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