Civic Intelligence

Boulder Dam Credit Union

990 • Fiscal year 2010 • EIN 88-0059939

Jan 01, 2010 to Dec 31, 2010 • Filed on Aug 15, 2011

Organization ProfileWWW.BOULDERDAMCU.ORG
PO Box 61530 530 Avenue G89006-1530
Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

64th percentile

0.91x

Higher debt load relative to assets than 64% of similar nonprofits.

2010 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2010

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2010

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2010

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2010

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2010

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets64th percentile

Assets

$478,908,770

No earlier filing loaded for comparison.

Net Assets

$42,074,574

No earlier filing loaded for comparison.

Liabilities

$436,834,196

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

$17,385,841

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$1.0B$500M$0Assets 2010: $478,908,770Liabilities 2010: $436,834,196Net Assets 2010: $42,074,5742010Assets 2011: $457,411,956Liabilities 2011: $420,335,915Net Assets 2011: $37,076,0412011Assets 2012: $468,874,728Liabilities 2012: $428,810,685Net Assets 2012: $40,064,0432012Assets 2013: $489,554,292Liabilities 2013: $445,221,587Net Assets 2013: $44,332,7052013Assets 2014: $508,358,320Liabilities 2014: $456,798,859Net Assets 2014: $51,559,4612014Assets 2015: $543,819,976Liabilities 2015: $487,885,266Net Assets 2015: $55,934,7102015Assets 2016: $584,085,516Liabilities 2016: $523,912,407Net Assets 2016: $60,173,1092016Assets 2017: $603,174,654Liabilities 2017: $535,923,390Net Assets 2017: $67,251,2642017Assets 2018: $628,904,759Liabilities 2018: $558,143,614Net Assets 2018: $70,761,1452018Assets 2019: $652,906,191Liabilities 2019: $570,008,772Net Assets 2019: $82,897,4192019Assets 2020: $772,081,335Liabilities 2020: $680,170,072Net Assets 2020: $91,911,2632020Assets 2021: $864,129,621Liabilities 2021: $774,787,772Net Assets 2021: $89,341,8492021Assets 2022: $835,531,285Liabilities 2022: $760,437,757Net Assets 2022: $75,093,5282022Assets 2023: $808,419,660Liabilities 2023: $724,453,384Net Assets 2023: $83,966,2762023Assets 2024: $829,187,256Liabilities 2024: $730,626,722Net Assets 2024: $98,560,5342024

Highlighted filing

2010

Assets$478,908,770
Liabilities$436,834,196
Net Assets$42,074,574
Open 2010 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$40M$30M$20M$10M$0Expenses 2010: $17,385,8412010Expenses 2011: $16,083,6662011Expenses 2012: $11,771,6692012Revenue 2013: $14,574,487Expenses 2013: $10,305,826Net Income 2013: $4,268,6612013Revenue 2014: $17,015,574Expenses 2014: $9,788,818Net Income 2014: $7,226,7562014Revenue 2015: $19,370,367Expenses 2015: $14,891,269Net Income 2015: $4,479,0982015Revenue 2016: $20,480,817Expenses 2016: $15,132,883Net Income 2016: $5,347,9342016Revenue 2017: $21,386,707Expenses 2017: $15,375,863Net Income 2017: $6,010,8442017Revenue 2018: $22,713,811Expenses 2018: $16,282,347Net Income 2018: $6,431,4642018Revenue 2019: $24,979,127Expenses 2019: $18,591,486Net Income 2019: $6,387,6412019Revenue 2020: $21,917,362Expenses 2020: $18,651,428Net Income 2020: $3,265,9342020Revenue 2021: $17,427,262Expenses 2021: $13,796,078Net Income 2021: $3,631,1842021Revenue 2022: $23,391,791Expenses 2022: $15,254,077Net Income 2022: $8,137,7142022Revenue 2023: $35,773,093Expenses 2023: $28,826,427Net Income 2023: $6,946,6662023Revenue 2024: $38,822,882Expenses 2024: $28,934,079Net Income 2024: $9,888,8032024

Highlighted filing

2010

Revenue-
Expenses$17,385,841
Net Income-
Open 2010 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2010 to Dec 31, 2010
Signed
Aug 15, 2011
Return Version
2010v3.4
Gross Receipts
$15,499,566
Mission and Program Overview

Mission

We are people helping people build their futures and realize their dreams.

Major Activities

Activity 2
The second main service that the credit union offers is deposit services to eligible members. The credit union offers savings accounts, checking accounts, and individual retirement accounts to all members. In order to maintain a share account an individual must be eligible for membership. Eligibility requires that a person must live or work in boulder city, nevada. Due to the exceptional service level provided by the credit union, approximately 90% of eligible members are members of the credit union. Once again, the credit union does not charge any fees for deposit accounts, other than punitive fees for overdrafts and insufficient fund items.
Activity 3
An ancillary product offered by the credit union is the electronic delivery of services. The credit union offers debit cards, visa credit cards, atm access, cuphone account access and internet account access. All services are offered at no cost to eligible members. Additionally, the credit union belongs to the co-op atm network, which enables members to use network related atms nationwide with no surcharge. Approximately 80% of our membership utilize some type of electronic delivery service.
Filing and Contact Details

Filer

EIN
88-0059939
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IRS990/Activity2/Description0THE SECOND MAIN SERVICE THAT THE CREDIT UNION OFFERS IS DEPOSIT SERVICES TO ELIGIBLE MEMBERS. THE CREDIT UNION OFFERS SAVINGS ACCOUNTS, CHECKING ACCOUNTS, AND INDIVIDUAL RETIREMENT ACCOUNTS TO ALL MEMBERS. IN ORDER TO MAINTAIN A SHARE ACCOUNT AN INDIVIDUAL MUST BE ELIGIBLE FOR MEMBERSHIP. ELIGIBILITY REQUIRES THAT A PERSON MUST LIVE OR WORK IN BOULDER CITY, NEVADA. DUE TO THE EXCEPTIONAL SERVICE LEVEL PROVIDED BY THE CREDIT UNION, APPROXIMATELY 90% OF ELIGIBLE MEMBERS ARE MEMBERS OF THE CREDIT UNION. ONCE AGAIN, THE CREDIT UNION DOES NOT CHARGE ANY FEES FOR DEPOSIT ACCOUNTS, OTHER THAN PUNITIVE FEES FOR OVERDRAFTS AND INSUFFICIENT FUND ITEMS.
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IRS990ScheduleD/OtherSecurities/Description4ACCRUED INTEREST/INCOME
IRS990ScheduleD/OtherSecurities/MethodOfValuation0F
IRS990ScheduleD/OtherSecurities/MethodOfValuation1F
IRS990ScheduleD/OtherSecurities/MethodOfValuation2F
IRS990ScheduleD/OtherSecurities/MethodOfValuation3F
IRS990ScheduleD/OtherSecurities/MethodOfValuation4F
IRS990ScheduleD/TotalExpenses017385841
IRS990ScheduleD/TotalOfAmounts0436145294
IRS990ScheduleD/TotalOfBookValueLandBuildings0875292
IRS990ScheduleD/TotalOfBookValueSecurities0247154668
IRS990ScheduleD/TotalRevenue014325695
IRS990ScheduleJ/BoardOrCommitteeApproval0X
IRS990ScheduleJ/EquityBasedCompArrangement00
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg0400897
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg1202488
IRS990ScheduleJ/Form990ScheduleJPartII/BaseCompensationFilingOrg2211418
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg10
IRS990ScheduleJ/Form990ScheduleJPartII/BonusFilingOrg20
IRS990ScheduleJ/Form990ScheduleJPartII/BonusRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/BonusRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/BonusRelatedOrgs20
IRS990ScheduleJ/Form990ScheduleJPartII/CompBasedOnRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/CompBasedOnRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/CompBasedOnRelatedOrgs20
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990FilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990FilingOrg10
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990FilingOrg20
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990RelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990RelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/CompReportPrior990RelatedOrgs20
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompFilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompFilingOrg10
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompFilingOrg20
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/DeferredCompRelatedOrgs20
IRS990ScheduleJ/Form990ScheduleJPartIII/Explanation0PART I, LINE 1A: TRAVEL FOR COMPANIONS: TRAVEL EXPENSES FOR COMPANIONS ARE ALLOWED ONLY WITH APPROVAL OF MANAGEMENT AND DOES NOT ALLOW FOR EXPENSES ABOVE AND BEYOND WHAT IS USUAL AND CUSTOMARY FOR THE LOCATION IN QUESTION. ADDITIONALLY, COMPANION TRAVEL SHOULD NOT BE ALLOWED MORE THAN ONE TIME DURING ANY TWO CALENDAR YEARS AND FOR A PERIOD NOT TO EXCEED ONE WEEK. A 1099 IS ISSUED IF THE $600 REPORTING THRESHOLD IS MET. IN 2010 NO SPOUSE TRAVEL EXCEEDED THE $600 THRESHOLD. TAX INDEMNIFICATION: AS PART OF THE MANAGER'S CONTRACTUAL AGREEMENT WITH THE CREDIT UNION, THE CREDIT UNION AGREES TO PAY FOR BOTH THE EMPLOYER AND EMPLOYEE PORTION OF SOCIAL SECURITY AND MEDICARE. THE EMPLOYEE'S PORTION OF THIS COST WAS $12,606.09 FOR 2010.
IRS990ScheduleJ/Form990ScheduleJPartIII/ReturnReference0PART I, LINE 1A
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson0BILL FERRENCE
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson1ERIC ESTES
IRS990ScheduleJ/Form990ScheduleJPartII/NamePerson2PAT KLINGER
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg037983
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg143094
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsFilingOrg217907
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/NontaxableBenefitsRelatedOrgs20
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg110000
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationFilingOrg237274
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/OtherCompensationRelatedOrgs20
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg0438880
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg1255582
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationFilingOrg2266599
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs00
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs10
IRS990ScheduleJ/Form990ScheduleJPartII/TotalCompensationRelatedOrgs20
IRS990ScheduleJ/IdemnificationGrossUpPayments0X
IRS990/ScheduleJRequired01
IRS990ScheduleJ/SeverancePayment00
IRS990ScheduleJ/SubstantiationRequired01
IRS990ScheduleJ/SupplementalNonqualRetirePlan00
IRS990ScheduleJ/TravelForCompanions0X
IRS990ScheduleJ/WrittenEmploymentContract0X
IRS990ScheduleJ/WrittenPolicyReTAndEExpenses01
IRS990ScheduleO/GeneralExplanation/Explanation0THE CREDIT UNION'S MEMBERS HAVE RIGHTS TO ELECT THE MEMBERS OF THE GOVERNING BODY. THE CREDIT UNION'S MEMBERS ALSO RECEIVE A SHARE OF THE ORGANIZATION'S PROFITS IN THE FORM OF CASH DIVIDENDS.
IRS990ScheduleO/GeneralExplanation/Explanation1MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE ORGANIZATION'S GOVERNING BODY, WHETHER PERIODICALLY, OR AS VACANCIES ARISE, OR OTHERWISE.
IRS990ScheduleO/GeneralExplanation/Explanation2MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION AS THEY OCCUR.
IRS990ScheduleO/GeneralExplanation/Explanation3COMPLETED 990 IS REVIEWED AND APPROVED BY THE MANAGER, ASSISTANT MANAGER, AND OPERATIONS ASSISTANT. ONCE THIS PROCESS IS COMPLETED, A COPY OF THE FINAL 990 IS DISSEMINATED TO THE BOARD OF DIRECTORS PRIOR TO FILING WITH THE IRS.
IRS990ScheduleO/GeneralExplanation/Explanation4BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE MEMBERS ARE REQUIRED TO SIGN A CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/GeneralExplanation/Explanation5A MANAGER'S COMPENSATION IS ESTABLISHED AND APPROVED BY THE ENTIRE BOARD OF DIRECTORS. SENIOR MANAGEMENT SALARIES ARE SUBJECT TO GENERAL INDEX INCREASES APPLIED TO ALL STAFF AND RECOMMENDED BY THE MANAGER TO THE BOARD OF DIRECTORS FOR APPROVAL.
IRS990ScheduleO/GeneralExplanation/Explanation6MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY OF THE CREDIT UNION'S OFFICE.
IRS990ScheduleO/GeneralExplanation/Identifier0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/Identifier1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/Identifier2FORM 990, PART VI, SECTION A, LINE 7B

Document Assets

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Filings

Displayed year

2010 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$478,908,770
Liabilities
$436,834,196
Net assets
$42,074,574
Revenue
-
Expenses
$17,385,841
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$829$731$98.6$38.8$28.9$9.89
2023Detailed filing. Detailed filing data is available for this year.$808$724$84.0$35.8$28.8$6.95
2022Detailed filing. Detailed filing data is available for this year.$836$760$75.1$23.4$15.3$8.14
2021Detailed filing. Detailed filing data is available for this year.$864$775$89.3$17.4$13.8$3.63
2020Detailed filing. Detailed filing data is available for this year.$772$680$91.9$21.9$18.7$3.27
2019Detailed filing. Detailed filing data is available for this year.$653$570$82.9$25.0$18.6$6.39
2018Detailed filing. Detailed filing data is available for this year.$629$558$70.8$22.7$16.3$6.43
2017Detailed filing. Detailed filing data is available for this year.$603$536$67.3$21.4$15.4$6.01
2016Detailed filing. Detailed filing data is available for this year.$584$524$60.2$20.5$15.1$5.35
2015Detailed filing. Detailed filing data is available for this year.$544$488$55.9$19.4$14.9$4.48
2014Detailed filing. Detailed filing data is available for this year.$508$457$51.6$17.0$9.79$7.23
2013Detailed filing. Detailed filing data is available for this year.$490$445$44.3$14.6$10.3$4.27
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$469$429$40.1$11.8
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$457$420$37.1$16.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$479$437$42.1$17.4