Civic Intelligence

Boulder Dam Credit Union

990 • Fiscal year 2018 • EIN 88-0059939

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 15, 2019

Organization ProfileWWW.BOULDERDAMCU.ORG
PO Box 61530Boulder City, NV 89006-1530

(702) 293-7777

Siviq Scores

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

Liabilities / Assets

48th percentile

0.89x

Higher debt load relative to assets than 48% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Liabilities / Revenue

96th percentile

24.57x

Higher debt load relative to revenue than 96% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Net Margin

96th percentile

28%

Higher net margin than 96% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Top Officer Pay

67th percentile

$477,799

Higher top officer pay than 67% of similar nonprofits.

Top officer pay equals 2.1% of source-year revenue.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2018

Asset Growth

50th percentile

4.3%

Faster asset growth than 50% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Revenue Growth

23rd percentile

6.2%

Faster revenue growth than 23% of similar nonprofits.

2018 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets48th percentile

Assets

Up

$628,904,759

Up $25,730,105 (+4.3%) from 2017

Net Assets

Up

$70,761,145

Up $3,509,881 (+5.2%) from 2017

Liabilities

Up

$558,143,614

Up $22,220,224 (+4.1%) from 2017

Revenue And Expenses
Liabilities / Revenue96th percentileNet Margin96th percentile

Revenue

Up

$22,713,811

Up $1,327,104 (+6.2%) from 2017

Expenses

Up

$16,282,347

Up $906,484 (+5.9%) from 2017

Net Income

Up

$6,431,464

Up $420,620 (+7.0%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth50th percentile

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

2018

Assets$628,904,759
Liabilities$558,143,614
Net Assets$70,761,145
Open 2018 Filing

Operations Trend

Revenue Growth23rd percentile

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

2018

Revenue$22,713,811
Expenses$16,282,347
Net Income$6,431,464
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 15, 2019
Return Version
2018v3.1
Gross Receipts
$23,127,811
Mission and Program Overview

Mission

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

We are people helping people build their futures and realize their dreams by providing share and loan accounts and other financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$375,339,863$382,333,566▲ $6,993,703
Other Notes and Loans Receivable, Net$204,090,911$227,950,191▲ $23,859,280
Rtn Earn Endowment Incm Other Fnds$67,251,264$70,761,145▲ $3,509,881
Cash and Non-Interest-Bearing Accounts$17,752,018$11,382,542▼ $6,369,476
Receivables From Officers Etc$2,215,471$2,272,630▲ $57,159
Land, Buildings, and Equipment, Net$789,307$1,098,662▲ $309,355
Accounts Receivable-$480-
Prepaid Expenses and Deferred Charges-$58-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$603,174,654$628,904,759▲ $25,730,105
Other Assets Total$2,987,084$3,866,630▲ $879,546
Liabilities
Other Liabilities$534,223,479$557,381,550▲ $23,158,071
Accounts Payable and Accrued Expenses$1,699,911$762,064▼ $937,847
Total Liabilities$535,923,390$558,143,614▲ $22,220,224
Net Assets / Fund Balance
Total Net Assets Fund Balance$67,251,264$70,761,145▲ $3,509,881
Total Liabilities and Net Assets / Fund Balance$603,174,654$628,904,759▲ $25,730,105

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$3,159,399$3,159,399
Land$1,098,662-$1,098,662
Other Securities$8,158,394--
Compensation and Service Providers
Top Officer Pay67th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Eric EstesPresident/CEOFT$360,562$121,933$482,495
Patricia KlingerOperations AssistantFT$240,428$69,495$309,923
Steele HendrixExec VPFT$223,979$31,837$255,816
Ie-chen ChengCFOFT$195,692$53,368$249,060
Kyle JohnsonCompliance OfficerFT$106,736$68,134$174,870
Mary Beth CliftTeller SupervisorFT$129,378$40,558$169,936
Linda EugsterCards Services SupervisorFT$109,657$42,159$151,816
Barbara BennettLoan SupervisorFT$108,115$39,417$147,532
Patricia ButlerCollections SupervisorFT$100,643$34,119$134,762

Board Members and Trustees

NameTitle
Dale ImlayChair
Doug ScheppmannVice Chair
Frank DisanzaDirector
Helena BroadbentDirector
Cindy AndersonDirector (feb 2018)
Milo HurstDirector (left Jan 2018)
Charmaine FerrariSecretary
Robert MerrellTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservData Processing2601 NETWORK BLVD SUITE 600, Frisco, TX 75034$765,396
Urbanjungle ContractorsAtm Site ConstructionPO BOX 60609, Boulder City, NV 89006$245,001
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$15,139,941
Investment Income
$7,553,247
Other Revenue
$20,623
Change in Net Assets
$6,431,464

Audited Revenue Reconciliation

Revenue per Audited Statements
$22,713,810
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-2,835,607
Total Revenue per Audited Statements
$19,878,203
Total Revenue per Form 990
$22,713,810
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$5,665,732
Other Expenses$4,817,653
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$5,798,962
Other Salaries and Wages---$3,263,324
Fees for Services Other---$1,196,480
Current Officers, Directors, Trustees, and Key Employees---$987,370
Pension Plan Contributions---$615,063
Other Employee Benefits---$502,534
Occupancy---$495,476
Office Expenses---$483,133
Payroll Taxes---$297,441
Travel---$270,840
All Other Expenses---$216,426
Insurance---$202,447
Depreciation Depletion---$200,868
Advertising---$164,673
Other Expenses---$67,128
Fees for Services Legal---$59,009
Conferences and Meetings---$26,457
Total Functional Expenses$0$0$0$16,282,347

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$16,282,346
Expenses per Audited Statements$13,446,739
Total Expenses per Audited Statements$13,446,739
Expenses Not Reported on Financial Statements$2,835,607
Other Expense Adjustments$2,835,607
Expenses Not Reported on Form 990$0
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$22,505
Total Exempt Function Spending$7,500

Section 527 Organizations

OrganizationLocationAmount
88-0270264Las Vegas, NV$7,500
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$2,215,471$2,272,630▲ $57,159
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Deposits$557,381,550
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The 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.”

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

“Members 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.”

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

“Members 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.”

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

“The completed 990 is reviewed by the ceo/president, cfo and operations assistant.”

Form 990, Part VI, Section B, Line 12C

“The board of directors and supervisory committee members are required to sign a conflict of interest policy.”

Form 990, Part VI, Section B, Line 15

“The ceo'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 ceo to the board of directors for approval.”

Form 990, Part VI, Section C, Line 19

“Quarterly financial statements are posted in the lobby of the credit union's office. Governing documents, conflicts of interest policy, and financial statements are available upon request for the same period of disclosure as set forth in section 6104(d).”

Filing and Contact Details

Filer

Filer Name
Boulder Dam Credit Union
EIN
88-0059939
Phone
7022937777
Address
PO BOX 61530, BOULDER CITY, NV 89006-1530

Signing Officer

Name
Eric Estes
Title
CEO/president
Phone
7022937777
Signed
2019-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Eric Estes
Formed
1940
Legal Domicile
Nv
Voting Board Members
7
Independent Board Members
7
Employees
48
Volunteers
9

Preparer

Firm
Rsm US Llp
Address
801 NICOLLET MALL WEST TOWER STE, 1100, MINNEAPOLIS, MN 55402-2526
Preparer
Kacie Mcewen
Phone
6123324300
Supplemental Narrative

Additional Explanations

FORM 990, PART I, LINE 6, VOLUNTEERS:

“The 9 volunteers reported in part i, line 6 consists of 7 board members and 2 supervisory committee members.”

"SPLIT DOLLAR NONRECOURSE LOAN REPRESENTATION"

“The 2018 form 990 does not allow pdf attachments to be included with the electronically filed form 990, with the exception of specific attachments required by the irs. Boulder dam credit union has an e-file requirement and cannot paper file unless required to do so by the irs. If a paper copy of the return is filed when it is not required the irs may consider the return as not timely filed; therefore the "split dollar nonrecourse loan representation" is available upon request to the irs.”

Financial Statement Notes

PART X, LINE 2:

“For the years ended december 31, 2018 and 2017 management has determined that there are no material uncertain tax positions.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Oreo write down & mh repo expense reclassified to functional expense -110,748. Interest refund to members reclassified to functional expense -2,724,859.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Rental expenses reclassed as revenue on form 990”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Rental expenses reclassed as revenue on form 990”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Interest refund to members reclassified to functional expense 2,724,859. Oreo write down & mh repo expense reclassified to functional expense 110,748.”

Raw XML AppendixShowing 400 of 647 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/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8393382
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9196142
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10224703
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11245426
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12132426
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13111913
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14108115
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15100643
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16107017
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR (LEFT JAN 2018)
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR (FEB 2018)
IRS990/Form990PartVIISectionAGrp/TitleTxt8PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt9CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt10EXEC VP
IRS990/Form990PartVIISectionAGrp/TitleTxt11OPERATIONS ASSISTANT
IRS990/Form990PartVIISectionAGrp/TitleTxt12TELLER SUPERVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13CARDS SERVICES SUPERVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14LOAN SUPERVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15COLLECTIONS SUPERVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16COMPLIANCE OFFICER
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01940
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt028137
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0442137
IRS990/GrossReceiptsAmt023127811
IRS990/GrossRentsGrp/RealAmt020623
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt09
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/TotalAmt0202447
IRS990/InvestmentIncomeGrp/ExclusionAmt07525110
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt07525110
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0375339863
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0382333566
IRS990/IRPDocumentCnt010594
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03159399
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0789307
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01098662
IRS990/LandBldgEquipCostOrOtherBssAmt04258061
IRS990/LegalDomicileStateCd0NV
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0414000
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0WE ARE PEOPLE HELPING PEOPLE BUILD THEIR FUTURES AND REALIZE THEIR DREAMS BY PROVIDING SHARE AND LOAN ACCOUNTS AND OTHER FINANCIAL SERVICES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt067251264
IRS990/NetAssetsOrFundBalancesEOYAmt070761145
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt028137
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt028137
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt020623
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt020623
IRS990/NetUnrelatedBusTxblIncmAmt0-6122
IRS990/NetUnrlzdGainsLossesInvstAmt0-2921583
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0495476
IRS990/OfficeExpensesGrp/TotalAmt0483133
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02987084
IRS990/OtherAssetsTotalGrp/EOYAmt03866630
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0502534
IRS990/OtherExpensesGrp/Desc0ATM/DEBIT CARD/NSF CHEC
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXPENSES
IRS990/OtherExpensesGrp/Desc2OREO & MH REPO/WRITE DO
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES
IRS990/OtherExpensesGrp/TotalAmt0952566
IRS990/OtherExpensesGrp/TotalAmt1371402
IRS990/OtherExpensesGrp/TotalAmt2110748
IRS990/OtherExpensesGrp/TotalAmt367128
IRS990/OtherLiabilitiesGrp/BOYAmt0534223479
IRS990/OtherLiabilitiesGrp/EOYAmt0557381550
IRS990/OtherSalariesAndWagesGrp/TotalAmt03263324
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0204090911
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0227950191
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0297441
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0615063
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt058
IRS990/PrincipalOfficerNm0ERIC ESTES
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1SERVICE CHARGES & OTHER FEES
IRS990/ProgramServiceRevenueGrp/Desc2OTHER NONINTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt013662783
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11108464
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2358576
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt013662783
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11118582
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2358576
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt010118
IRS990/ProgSrvcAccomActy2Grp/Desc0THE 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 LIVE OR WORK IN BOULDER CITY, NEVADA. DUE TO THE EXCEPTIONAL SERVICE LEVEL PROVIDED BY THE CREDIT UNION, APPROXIMATELY 90% OF ELIGIBLE MEMBERS ARE MEMBER OF THE CREDIT UNION. ONCE AGAIN, THE CREDIT UNION DOES NOT CHARGE FEES FOR DEPOSIT ACCOUNTS; OTHER THAN PUNITIVE FEES FOR OVERDRAFTS AND INSUFFICIENT FUND ITEMS. AT 12/31/2018 THE CREDIT UNION HAD 20,844 MEMBERS WITH 38,049 ACCOUNTS TOTALING $557,381,549 IN SHARE DEPOSITS.
IRS990/ProgSrvcAccomActy3Grp/Desc0AN ANCILLARY PRODUCT OFFERED BY THE CREDIT UNION IS THE ELECTRONIC DELIVERY OF SERVICES. THE CREDIT UNION OFFERS DEBIT CARDS, VISA CREDIT CARDS, ATM ACCESS, PHONE 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 MEMBER TO USE NETWORK RELATED ATMS NATIONWIDE WITH NO SURCHARGE. APPROXIMATELY 60% OF OUR MEMBERS UTILIZE SOME TYPE OF ELECTRONIC DELIVERY SERVICE.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt05996133
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt06736565
IRS990/PYOtherExpensesAmt04226974
IRS990/PYOtherRevenueAmt012565
IRS990/PYProgramServiceRevenueAmt014637577
IRS990/PYRevenuesLessExpensesAmt06010844
IRS990/PYSalariesCompEmpBnftPaidAmt05152756
IRS990/PYTotalExpensesAmt015375863
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt021386707
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt02215471
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt02272630
IRS990/ReconcilationRevenueExpnssAmt06431464
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt020623
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt067251264
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt070761145
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/Form1120POLFiledInd01
IRS990ScheduleC/InternalFundsContributedAmt07500
IRS990ScheduleC/PoliticalExpendituresAmt022505
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0880270264
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0NEVADA CREDIT UNION LEAGUE PAC
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt07500
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt06475 W SAHARA AVENUE
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0LAS VEGAS
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd0NV
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd0891463036
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0BOULDER DAM CREDIT UNION MAKES AN ANNUAL CONTRIBUTION TO THE NEVADA CREDIT UNION LEAGUE POLITICAL ACTION COMMITTEE (PAC). THIS PAC MAKES CONTRIBUTIONS TO STATE LEVEL CANDIDATES WHO ARE FRIENDS OF CREDIT UNIONS.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I-A, LINE 1:
IRS990ScheduleC/TotalExemptFunctionExpendAmt07500
IRS990ScheduleC/VolunteerHoursCnt0150
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03159399
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03159399
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt02835607
IRS990ScheduleD/ExpensesSubtotalAmt013446739
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt01098662
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01098662
IRS990ScheduleD/OtherExpensesNotIncludedAmt02835607
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0557381550
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES AND DEPOSITS
IRS990ScheduleD/OtherRevenueAmt0-2835607
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt02222058
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt17395011
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2231027005
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt316005348
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt4116270750
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt51235000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt620000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt78158394
IRS990ScheduleD/OtherSecuritiesGrp/Desc0ACCRUED INTEREST/INCOME
IRS990ScheduleD/OtherSecuritiesGrp/Desc1SHARE INSURANCE DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc2AVAILABLE FOR SALE
IRS990ScheduleD/OtherSecuritiesGrp/Desc3US GOV'T OBLIGATIONS & FED AGENCY SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc4FED AGENCY SEC/RESIDENTIAL MTG-BACKED SEC/SBA POOLS/COLLATERALIZED MTG
IRS990ScheduleD/OtherSecuritiesGrp/Desc5CERT. AT BANKS & OTHER FINANCIAL INSTITUTIONS
IRS990ScheduleD/OtherSecuritiesGrp/Desc6CU COOPERATIVE SYSTEMS STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc7FHLB DEPOSIT / CAPITAL ACCOUNT
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd5C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd6C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd7C
IRS990ScheduleD/RevenueNotReportedAmt0-2835607
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt022713810
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0FOR THE YEARS ENDED DECEMBER 31, 2018 AND 2017 MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1OREO WRITE DOWN & MH REPO EXPENSE RECLASSIFIED TO FUNCTIONAL EXPENSE -110,748. INTEREST REFUND TO MEMBERS RECLASSIFIED TO FUNCTIONAL EXPENSE -2,724,859.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2RENTAL EXPENSES RECLASSED AS REVENUE ON FORM 990
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt3RENTAL EXPENSES RECLASSED AS REVENUE ON FORM 990
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt4INTEREST REFUND TO MEMBERS RECLASSIFIED TO FUNCTIONAL EXPENSE 2,724,859. OREO WRITE DOWN & MH REPO EXPENSE RECLASSIFIED TO FUNCTIONAL EXPENSE 110,748.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XI, LINE 2D - OTHER ADJUSTMENTS:

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$628,904,759
Liabilities
$558,143,614
Net assets
$70,761,145
Revenue
$22,713,811
Expenses
$16,282,347
Net income
$6,431,464
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