Civic Intelligence

Boulder Dam Credit Union

990 • Fiscal year 2021 • EIN 88-0059939

Jan 01, 2021 to Dec 31, 2021 • Filed on Nov 15, 2022

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

43rd percentile

0.90x

Higher debt load relative to assets than 43% of similar nonprofits.

2021 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2021

Liabilities / Revenue

100th percentile

44.46x

Higher debt load relative to revenue than 100% of similar nonprofits.

2021 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2021

Net Margin

64th percentile

21%

Higher net margin than 64% of similar nonprofits.

2021 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2021

Top Officer Pay

75th percentile

$518,887

Higher top officer pay than 75% of similar nonprofits.

Top officer pay equals 3.0% of source-year revenue.

2021 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2021

Asset Growth

54th percentile

12%

Faster asset growth than 54% of similar nonprofits.

2021 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2020 to 2021

Revenue Growth

1st percentile

-20%

Faster revenue growth than 1% of similar nonprofits.

2021 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets43rd percentile

Assets

Up

$864,129,621

Up $92,048,286 (+12%) from 2020

Net Assets

Down

$89,341,849

Down $2,569,414 (-2.8%) from 2020

Liabilities

Up

$774,787,772

Up $94,617,700 (+14%) from 2020

Revenue And Expenses
Liabilities / Revenue100th percentileNet Margin64th percentile

Revenue

Down

$17,427,262

Down $4,490,100 (-20%) from 2020

Expenses

Down

$13,796,078

Down $4,855,350 (-26%) from 2020

Net Income

Up

$3,631,184

Up $365,250 (+11%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth54th 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

2021

Assets$864,129,621
Liabilities$774,787,772
Net Assets$89,341,849
Open 2021 Filing

Operations Trend

Revenue Growth1st 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

2021

Revenue$17,427,262
Expenses$13,796,078
Net Income$3,631,184
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Nov 15, 2022
Return Version
2021v4.2
Gross Receipts
$17,649,432
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$493,580,119$532,056,780▲ $38,476,661
Other Notes and Loans Receivable, Net$216,196,033$189,415,888▼ $26,780,145
Cash and Non-Interest-Bearing Accounts$57,376,774$137,702,307▲ $80,325,533
Rtn Earn Endowment Incm Other Fnds$91,911,263$89,341,849▼ $2,569,414
Receivables From Officers Etc$2,221,970$2,362,547▲ $140,577
Land, Buildings, and Equipment, Net$1,098,662$1,103,662▲ $5,000
Prepaid Expenses and Deferred Charges$781$3,807▲ $3,026
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$772,081,335$864,129,621▲ $92,048,286
Other Assets Total$1,606,996$1,484,630▼ $122,366
Liabilities
Other Liabilities$678,080,933$773,205,915▲ $95,124,982
Accounts Payable and Accrued Expenses$2,089,139$1,581,857▼ $507,282
Total Liabilities$680,170,072$774,787,772▲ $94,617,700
Net Assets / Fund Balance
Total Net Assets Fund Balance$91,911,263$89,341,849▼ $2,569,414
Total Liabilities and Net Assets / Fund Balance$772,081,335$864,129,621▲ $92,048,286

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,000$3,371,737$3,376,737
Land$1,098,662-$1,098,662
Other Securities$9,993,237--
Compensation and Service Providers
Top Officer Pay75th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Eric EstesPresident / CEOFT$429,522$92,689$522,211
Steele HendrixEvpFT$246,464$91,236$337,700
Mary Beth CliftTeller SupervisorFT$151,411$45,738$197,149
Barbara BennettLoan SupervisorFT$125,278$46,975$172,253
Jaron SingletonAccounting CoordinatorFT$127,001$34,907$161,908
Teri SimmonsCard Services CoordinatorFT$121,155$39,315$160,470
Patricia ButlerCollections SupervisorFT$108,411$35,464$143,875

Board Members and Trustees

NameTitle
Doug ScheppmannChair
Robert MerrellVice Chair
Cyndy AndersonDirector
Helena BroadbentDirector
Tina MullisDirector
Charmaine FerrariSecretary
Frank DisanzaTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservData Processing2601 NETWORK BLVD SUITE 600, Frisco, TX 75034$1,886,561
Quality Construction ManagementConstruction And Remodel1011 INDUSTRIAL ROAD SUITE 5, Boulder City, NV 89005$199,864
Business Data INCStatement Processing And MailingPO BOX 6081, Inglewood, CA 90312$143,440
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$12,569,529
Investment Income
$4,834,558
Other Revenue
$23,175
Change in Net Assets
$3,631,184

Audited Revenue Reconciliation

Revenue per Audited Statements
$17,427,262
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$-1,595,433
Total Revenue per Audited Statements
$15,831,829
Total Revenue per Form 990
$17,427,262
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$5,541,108
Other Expenses$4,879,348
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$3,375,622
Other Salaries and Wages---$3,345,974
Fees for Services Other---$1,330,649
Current Officers, Directors, Trustees, and Key Employees---$859,911
Occupancy---$531,328
Pension Plan Contributions---$522,688
Other Employee Benefits---$519,571
Office Expenses---$495,212
Insurance---$444,952
Payroll Taxes---$292,964
Advertising---$167,793
All Other Expenses---$163,845
Travel---$83,883
Other Expenses---$82,313
Fees for Services Legal---$50,589
Depreciation Depletion---$38,743
Conferences and Meetings---$7,548
Total Functional Expenses$0$0$0$13,796,078

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$13,796,078
Expenses per Audited Statements$12,200,645
Total Expenses per Audited Statements$12,200,645
Expenses Not Reported on Financial Statements$1,595,433
Other Expense Adjustments$1,595,433
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$10,000
Total Exempt Function Spending$10,000

Section 527 Organizations

OrganizationLocationAmount
88-0270264Las Vegas, NV$10,000
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$2,221,970$2,362,547▲ $140,577
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Deposits$773,205,915
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 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
No
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

“The completed 990 is reviewed by the ceo/president, evp, and approved by the board of directors prior to filing with the irs.”

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, evp, and approved by the board of directors prior to filing with the irs.”

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. Boulder dam credit union officials are prohibited from engaging in any act, either directly or indirectly, which may conflict with their duties and status as an elected or appointed volunteer; this includes using their position with the credit union for personal advantage or profit, preferential treatment or lack of impartiality, and hindering credit union performance. Business decisions must be executed in the best interest of boulder dam credit union and its membership. All directors and committee members must disclose to the board actual or potential conflicts of interest involving any personal business transaction. In addition, no boulder dam credit union official shall in any manner, either directly or indirectly, participate in the consideration of credit union business matters affecting his or her own financial interest, or the financial interest of any corporation, partnership, or association in which he or she is directly or indirectly engaged.”

Form 990, Part VI, Section B, Line 15A

“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. The board of directors documents the process used to establish the ceo's compesation.”

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
President & CEO
Phone
7022937777
Signed
2022-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Eric D Estes
Formed
1940
Legal Domicile
Nv
Voting Board Members
7
Independent Board Members
7
Employees
53
Volunteers
9

Preparer

Firm
Rsm US Llp
Address
4650 EAST 53RD STREET, DAVENPORT, IA 52807-3479
Preparer
Jenifer L Chase
Phone
5638884000
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.”

Form 990, Part XI, Line 2C

“The oversight and selection process has not changed.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, by statute, from federal income taxes. The credit union is a nevada state-chartered credit union described in the internal revenue code (irc) section 501(c)(14). As such, the credit union is exempt from federal taxation of income derived from the performance of activities that are in furtherance of its exempt purposes. However, the credit union is subject to unrelated business income tax (ubit). Fasb codification topic 740, income taxes, provides guidance for how uncertain tax positions should be recognized, measured, disclosed, and presented in the financial statements. This requires an evaluation of tax positions taken or expected to be taken in the course of preparing the credit union's tax returns to determine whether the tax position is more-likely-than-not "when challenged or "when examined" by the applicable tax authority. Tax positions not deemed to meet the more-likely-than-not threshold would be recorded as a tax expense and liability in the current year. For the years ended december 31, 2021 and 2020 management has determined that there are no material uncertain tax positions.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Interest refund to members reclassified to functional expense -1,595,433.”

PART XII, LINE 4B - OTHER ADJUSTMENTS:

“Interest refund to members reclassified to functional expense 1,595,433.”

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IRS990/Form990PartVIISectionAGrp/PersonNm9MARY BETH CLIFT
IRS990/Form990PartVIISectionAGrp/PersonNm10BARBARA BENNETT
IRS990/Form990PartVIISectionAGrp/PersonNm11PATRICIA BUTLER
IRS990/Form990PartVIISectionAGrp/PersonNm12TERI SIMMONS
IRS990/Form990PartVIISectionAGrp/PersonNm13JARON SINGLETON
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7430812
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8247288
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9154931
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10127770
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11108411
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12121991
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13127203
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/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT / CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8EVP
IRS990/Form990PartVIISectionAGrp/TitleTxt9TELLER SUPERVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10LOAN SUPERVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11COLLECTIONS SUPERVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12CARD SERVICES COORDINATOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13ACCOUNTING COORDINATOR
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01940
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-222170
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt017649432
IRS990/GrossRentsGrp/RealAmt023175
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt010
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InsuranceGrp/TotalAmt0444952
IRS990/InvestmentIncomeGrp/ExclusionAmt05056728
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt05056728
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0493580119
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0532056780
IRS990/IRPDocumentCnt09304
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03371737
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01098662
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01103662
IRS990/LandBldgEquipCostOrOtherBssAmt04475399
IRS990/LegalDomicileStateCd0NV
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0222170
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.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt091911263
IRS990/NetAssetsOrFundBalancesEOYAmt089341849
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-222170
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-222170
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt023175
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt023175
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-6200598
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0531328
IRS990/OfficeExpensesGrp/TotalAmt0495212
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01606996
IRS990/OtherAssetsTotalGrp/EOYAmt01484630
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0519571
IRS990/OtherExpensesGrp/Desc0ATM/CARD EXPENSE
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING EXPENSES
IRS990/OtherExpensesGrp/Desc2ASSOCIATION DUES
IRS990/OtherExpensesGrp/TotalAmt01003750
IRS990/OtherExpensesGrp/TotalAmt1478743
IRS990/OtherExpensesGrp/TotalAmt282313
IRS990/OtherLiabilitiesGrp/BOYAmt0678080933
IRS990/OtherLiabilitiesGrp/EOYAmt0773205915
IRS990/OtherSalariesAndWagesGrp/TotalAmt03345974
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0216196033
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0189415888
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0292964
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0522688
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0781
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt03807
IRS990/PrincipalOfficerNm0ERIC D 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/RelatedOrExemptFuncIncomeAmt011004229
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11170805
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2370865
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt011004229
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11194435
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2370865
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt023630
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 12/31/2021 THE CREDIT UNION HAD 20,507 MEMBERS TOTALING $773,205,915 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/PYBenefitsPaidToMembersAmt07989219
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt07463933
IRS990/PYOtherExpensesAmt04540515
IRS990/PYOtherRevenueAmt020888
IRS990/PYProgramServiceRevenueAmt014432541
IRS990/PYRevenuesLessExpensesAmt03265934
IRS990/PYSalariesCompEmpBnftPaidAmt06121694
IRS990/PYTotalExpensesAmt018651428
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt021917362
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt02221970
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt02362547
IRS990/ReconcilationRevenueExpnssAmt03631184
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt023175
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt091911263
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt089341849
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/Form1120POLFiledInd01
IRS990ScheduleC/InternalFundsContributedAmt010000
IRS990ScheduleC/PoliticalExpendituresAmt010000
IRS990ScheduleC/Section527PoliticalOrgGrp/ContributionsRcvdDlvrAmt00
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0880270264
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0NEVADA CREDIT UNION LEAGUE PAC
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt010000
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/TotalExemptFunctionExpendAmt010000
IRS990ScheduleC/VolunteerHoursCnt0150
IRS990ScheduleD/BuildingsGrp/BookValueAmt05000
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03371737
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03376737
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt01595433
IRS990ScheduleD/ExpensesSubtotalAmt012200645
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt01098662
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01098662
IRS990ScheduleD/OtherExpensesNotIncludedAmt01595433
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0773205915
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES AND DEPOSITS
IRS990ScheduleD/OtherRevenueAmt0-1595433
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt01623434
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt19265107
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2456160596
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt329350176
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt425644230
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt520000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt69993237
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/Desc5CU COOPERATIVE SYSTEMS STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc6FHLB 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/RevenueNotReportedAmt0-1595433
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt017427262
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT, BY STATUTE, FROM FEDERAL INCOME TAXES. THE CREDIT UNION IS A NEVADA STATE-CHARTERED CREDIT UNION DESCRIBED IN THE INTERNAL REVENUE CODE (IRC) SECTION 501(C)(14). AS SUCH, THE CREDIT UNION IS EXEMPT FROM FEDERAL TAXATION OF INCOME DERIVED FROM THE PERFORMANCE OF ACTIVITIES THAT ARE IN FURTHERANCE OF ITS EXEMPT PURPOSES. HOWEVER, THE CREDIT UNION IS SUBJECT TO UNRELATED BUSINESS INCOME TAX (UBIT). FASB CODIFICATION TOPIC 740, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED, AND PRESENTED IN THE FINANCIAL STATEMENTS. THIS REQUIRES AN EVALUATION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CREDIT UNION'S TAX RETURNS TO DETERMINE WHETHER THE TAX POSITION IS MORE-LIKELY-THAN-NOT "WHEN CHALLENGED OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS NOT DEEMED TO MEET THE MORE-LIKELY-THAN-NOT THRESHOLD WOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEARS ENDED DECEMBER 31, 2021 AND 2020 MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1INTEREST REFUND TO MEMBERS RECLASSIFIED TO FUNCTIONAL EXPENSE -1,595,433.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2INTEREST REFUND TO MEMBERS RECLASSIFIED TO FUNCTIONAL EXPENSE 1,595,433.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART XI, LINE 2D - OTHER ADJUSTMENTS:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART XII, LINE 4B - OTHER ADJUSTMENTS:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01103662
IRS990ScheduleD/TotalBookValueSecuritiesAmt0532056780
IRS990ScheduleD/TotalExpensesPerForm990Amt013796078
IRS990ScheduleD/TotalLiabilityAmt0773205915
IRS990ScheduleD/TotalRevenuePerForm990Amt017427262
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt015831829
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt012200645
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0429522
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1246464
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2151411
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3125278
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4127001
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt5121155

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$864,129,621
Liabilities
$774,787,772
Net assets
$89,341,849
Revenue
$17,427,262
Expenses
$13,796,078
Net income
$3,631,184
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