Civic Intelligence

Nebo Credit Union

EIN 87-0254202 • 501(c)14 • Springville, UT

Profile

Provide low-cost financial services to members including savings and loan products and services.

730 East 300 SouthSpringville, UT 84663

www.nebocreditunion.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

15th percentile

0.84x

Higher debt load relative to assets than 15% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Liabilities / Revenue

35th percentile

13.81x

Higher debt load relative to revenue than 35% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Net Margin

20th percentile

4.0%

Higher net margin than 20% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Top Officer Pay

2nd percentile

$0

Higher top officer pay than 2% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Asset Growth

57th percentile

3.5%

Faster asset growth than 57% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2024 to 2025

Revenue Growth

12th percentile

2.4%

Faster revenue growth than 12% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets15th percentile

Assets

Up

$144,615,330

Up $4,870,696 (+3.5%) from 2024

Liabilities

Up

$121,105,677

Up $3,802,856 (+3.2%) from 2024

Net Assets

Up

$23,509,653

Up $1,067,840 (+4.8%) from 2024

Operations
Liabilities / Revenue35th percentileNet Margin20th percentile

Revenue

Up

$8,769,370

Up $209,615 (+2.4%) from 2024

Expenses

Up

$8,420,419

Up $565,788 (+7.2%) from 2024

Net Income

Down

$348,951

Down $356,173 (-51%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth57th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$150M$100M$50M$0Assets 2010: $59,925,548Liabilities 2010: $52,583,657Net Assets 2010: $7,341,8912010Assets 2011: $61,899,950Liabilities 2011: $54,013,106Net Assets 2011: $7,886,8442011Assets 2012: $65,185,552Liabilities 2012: $55,949,875Net Assets 2012: $9,235,6772012Assets 2013: $66,781,187Liabilities 2013: $56,377,026Net Assets 2013: $10,404,1612013Assets 2014: $68,749,955Liabilities 2014: $57,023,224Net Assets 2014: $11,726,7312014Assets 2015: $75,438,374Liabilities 2015: $62,419,972Net Assets 2015: $13,018,4022015Assets 2016: $80,479,092Liabilities 2016: $66,357,762Net Assets 2016: $14,121,3302016Assets 2017: $86,572,876Liabilities 2017: $71,359,144Net Assets 2017: $15,213,7322017Assets 2018: $93,148,849Liabilities 2018: $76,502,420Net Assets 2018: $16,646,4292018Assets 2019: $102,410,686Liabilities 2019: $84,246,139Net Assets 2019: $18,164,5472019Assets 2020: $119,431,374Liabilities 2020: $99,844,854Net Assets 2020: $19,586,5202020Assets 2021: $131,592,794Liabilities 2021: $110,863,168Net Assets 2021: $20,729,6262021Assets 2022: $136,676,352Liabilities 2022: $114,578,254Net Assets 2022: $22,098,0982022Assets 2023: $139,511,848Liabilities 2023: $118,618,267Net Assets 2023: $20,893,5812023Assets 2024: $139,744,634Liabilities 2024: $117,302,821Net Assets 2024: $22,441,8132024Assets 2025: $144,615,330Liabilities 2025: $121,105,677Net Assets 2025: $23,509,6532025

Highlighted filing

2025

Assets$144,615,330
Liabilities$121,105,677
Net Assets$23,509,653
Open 2025 Filing

Operations Trend

Revenue Growth12th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$10M$5.0M$0Expenses 2010: $4,172,0182010Expenses 2011: $3,763,4172011Expenses 2012: $3,099,2782012Revenue 2013: $4,338,308Expenses 2013: $3,169,824Net Income 2013: $1,168,4842013Revenue 2014: $4,365,796Expenses 2014: $3,043,226Net Income 2014: $1,322,5702014Revenue 2015: $4,567,774Expenses 2015: $3,276,103Net Income 2015: $1,291,6712015Revenue 2016: $4,949,293Expenses 2016: $3,846,365Net Income 2016: $1,102,9282016Revenue 2017: $5,132,673Expenses 2017: $4,040,271Net Income 2017: $1,092,4022017Revenue 2018: $5,546,306Expenses 2018: $4,113,609Net Income 2018: $1,432,6972018Revenue 2019: $6,305,864Expenses 2019: $4,787,746Net Income 2019: $1,518,1182019Revenue 2020: $6,284,294Expenses 2020: $4,862,313Net Income 2020: $1,421,9812020Revenue 2021: $6,582,298Expenses 2021: $5,124,575Net Income 2021: $1,457,7232021Revenue 2022: $6,896,122Expenses 2022: $5,527,650Net Income 2022: $1,368,4722022Revenue 2023: $7,924,663Expenses 2023: $7,143,632Net Income 2023: $781,0312023Revenue 2024: $8,559,755Expenses 2024: $7,854,631Net Income 2024: $705,1242024Revenue 2025: $8,769,370Expenses 2025: $8,420,419Net Income 2025: $348,9512025

Highlighted filing

2025

Revenue$8,769,370
Expenses$8,420,419
Net Income$348,951
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$144,615,330
Liabilities
$121,105,677
Net assets
$23,509,653
Revenue
$8,769,370
Expenses
$8,420,419
Net income
$348,951
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$145$121$23.5$8.77$8.42$0.35
2024Detailed filing. Detailed filing data is available for this year.$140$117$22.4$8.56$7.85$0.71
2023Detailed filing. Detailed filing data is available for this year.$140$119$20.9$7.92$7.14$0.78
2022Detailed filing. Detailed filing data is available for this year.$137$115$22.1$6.90$5.53$1.37
2021Detailed filing. Detailed filing data is available for this year.$132$111$20.7$6.58$5.12$1.46
2020Detailed filing. Detailed filing data is available for this year.$119$99.8$19.6$6.28$4.86$1.42
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$102$84.2$18.2$6.31$4.79$1.52
2018Detailed filing. Detailed filing data is available for this year.$93.1$76.5$16.6$5.55$4.11$1.43
2017Detailed filing. Detailed filing data is available for this year.$86.6$71.4$15.2$5.13$4.04$1.09
2016Detailed filing. Detailed filing data is available for this year.$80.5$66.4$14.1$4.95$3.85$1.10
2015Detailed filing. Detailed filing data is available for this year.$75.4$62.4$13.0$4.57$3.28$1.29
2014Detailed filing. Detailed filing data is available for this year.$68.7$57.0$11.7$4.37$3.04$1.32
2013Detailed filing. Detailed filing data is available for this year.$66.8$56.4$10.4$4.34$3.17$1.17
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$65.2$55.9$9.24$3.10
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$61.9$54.0$7.89$3.76
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$59.9$52.6$7.34$4.17
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 2, 2026
Return Version
2025v4.0
Gross Receipts
$8,769,370
Mission and Program Overview

Mission

Provide low-cost financial services to members including savings and loan products and services. Make a positive difference in the community and help support educators in teaching children.

Provide low-cost financial services to members including savings and loan products and services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$100,600,667$102,065,460▲ $1,464,793
Rtn Earn Endowment Incm Other Fnds$22,441,813$23,509,653▲ $1,067,840
Investments Program Related$22,060,668$22,141,428▲ $80,760
Savings and Temporary Cash Investments$9,871,280$12,163,022▲ $2,291,742
Land, Buildings, and Equipment, Net$3,032,241$4,217,984▲ $1,185,743
Cash and Non-Interest-Bearing Accounts$1,621,328$1,479,879▼ $141,449
Investments Other Securities$625,025$625,125▲ $100
Prepaid Expenses and Deferred Charges$91,911$151,220▲ $59,309
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$139,744,634$144,615,330▲ $4,870,696
Other Assets Total$1,841,514$1,771,212▼ $70,302
Liabilities
Other Liabilities$116,767,546$121,527,910▲ $4,760,364
Accounts Payable and Accrued Expenses$535,275$-422,233▼ $957,508
Total Liabilities$117,302,821$121,105,677▲ $3,802,856
Net Assets / Fund Balance
Total Net Assets Fund Balance$22,441,813$23,509,653▲ $1,067,840
Total Liabilities and Net Assets / Fund Balance$139,744,634$144,615,330▲ $4,870,696

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$22,141,428--
Buildings$1,068,172$1,347,028$0
Other Land Buildings$0$0$0
Land$1,514,748-$0
Equipment$1,635,064$1,261,989$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay2nd percentile

Board Members and Trustees

NameTitle
Brian SmithBoard Chairperson
Mark ChristensenBoard Chairperson
Gloria NanceSupervisory Committee Chair
David RowleyBoard Vice Chairperson
Frances LarsenBoard Vice Chairperson
Julie WarrenBoard Member Secretary
David HuffSupervisory Committee
Jay CornabySupervisory Committee
Jeannette MaughanSupervisory Committee
Mary Jo EvansSupervisory Committee
Steve MaughanSupervisory Committee
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$8,245,416
Investment Income
$523,954
Other Revenue
$0
Change in Net Assets
$348,951
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,244,821
Salaries, Compensation, and Employee Benefits$3,166,722
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,337,214
Interest---$1,892,211
All Other Expenses---$445,117
Office Expenses---$416,698
Other Employee Benefits---$354,322
Pension Plan Contributions---$302,024
Other Expenses---$236,037
Depreciation Depletion---$231,163
Payroll Taxes---$173,162
Occupancy---$154,863
Advertising---$125,560
Fees for Services Accounting---$110,580
Insurance---$66,897
Fees for Services Legal---$63,708
Conferences and Meetings---$12,965
Travel---$12,965
Benefits to Members---$8,876
Total Functional Expenses$0$0$0$8,420,419
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$121,527,910
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Form 990, Part VI, Section A, Line 6 - YES, EACH DEPOSITOR OWNS 1 EQUAL SHARE OF THE CREDIT UNION. AT THE END OF 2025, THE CREDIT UNION HAD 12,769 SHAREHOLDERS/MEMBERS”

Form 990, Part VI, Section A, Line 7A

“Form 990, Part VI, Section A, Line 7a - EACH MEMBER MAY CAST A VOTE FOR THE MEMBERS OF THE BOARD OF DIRECTORS. BOARD MEMBERS ARE ELECTED TO 3 YEAR TERMS, AND ELECTIONS ARE HELD AT THE END OF THE TERM DURING THE CREDIT UNION'S ANNUAL MEETING.”

Form 990, Part VI, Section B, Line 11B

“The 990 is reviewed and signed by the executive management team and presented to the board for review”

Form 990, Part VI, Section B, Line 15

“The board of directors selects the ceo, executive director, or top management officials. The board of directors also performs a review of all employees and their wages compared to industry averages.”

Form 990, Part VI, Section C, Line 19

“These policies are available to all members upon request.”

Filing and Contact Details

Filer

Filer Name
Credit Unions Chartered in the State of Utah
EIN
87-0254202
Phone
8014913679
Address
730 EAST 300 SOUTH, SPRINGVILLE, UT 84663
Doing Business As
Nebo Credit Union

Signing Officer

Name
Dale Phelps
Title
President
Phone
8014913691
Signed
2026-03-02

Organization Details

Principal Officer
Dale J Phelps
Formed
1956
Legal Domicile
Ut
Voting Board Members
5
Independent Board Members
0
Employees
45
Volunteers
14
Raw XML AppendixShowing 400 of 421 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/MissionDesc0PROVIDE LOW-COST FINANCIAL SERVICES TO MEMBERS INCLUDING SAVINGS AND LOAN PRODUCTS AND SERVICES. MAKE A POSITIVE DIFFERENCE IN THE COMMUNITY AND HELP SUPPORT EDUCATORS IN TEACHING CHILDREN.
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IRS990/OtherExpensesGrp/TotalAmt1607063
IRS990/OtherExpensesGrp/TotalAmt2236037
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Form 990, Part VI, Section A, Line 6 - YES, EACH DEPOSITOR OWNS 1 EQUAL SHARE OF THE CREDIT UNION. AT THE END OF 2025, THE CREDIT UNION HAD 12,769 SHAREHOLDERS/MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Form 990, Part VI, Section A, Line 7a - EACH MEMBER MAY CAST A VOTE FOR THE MEMBERS OF THE BOARD OF DIRECTORS. BOARD MEMBERS ARE ELECTED TO 3 YEAR TERMS, AND ELECTIONS ARE HELD AT THE END OF THE TERM DURING THE CREDIT UNION'S ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE 990 IS REVIEWED AND SIGNED BY THE EXECUTIVE MANAGEMENT TEAM AND PRESENTED TO THE BOARD FOR REVIEW
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS SELECTS THE CEO, EXECUTIVE DIRECTOR, OR TOP MANAGEMENT OFFICIALS. THE BOARD OF DIRECTORS ALSO PERFORMS A REVIEW OF ALL EMPLOYEES AND THEIR WAGES COMPARED TO INDUSTRY AVERAGES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THESE POLICIES ARE AVAILABLE TO ALL MEMBERS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
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