CREATE CREDIT UNION: Form 990, tax year 2023

View the entire original 990 at ProPublica ↗

Organization: CREATE CREDIT UNION (EIN 88-0065951)
Tax period: 2023-01-01 to 2023-12-31
Filed: 2024-11-15
IRS object ID: 202443209349303629
Schema version: 2023v5.1
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule D
Schedule I
Schedule J
Schedule L
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2024-11-15T06:15:37+00:00	ReturnTs
Tax Period End	2023-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	440160260	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	Forvis Mazars LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	820 Massachusetts Ave Suite 1370	AddressLine1Txt
City	Indianapolis	CityNm
State Abbreviation	IN	StateAbbreviationCd
ZIP	46204	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2023-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	880065951	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	Clark County Credit Union	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	CLAR	BusinessNameControlTxt
Phone	7022282228	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 36490	AddressLine1Txt
City	LAS VEGAS	CityNm
State Abbreviation	NV	StateAbbreviationCd
ZIP	89133	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	Patricia Ochal	PersonNm
Person Title	CFO	PersonTitleTxt
Phone	7022282228	PhoneNum
Signature	2024-11-15	SignatureDt
Discuss With Paid Preparer	Yes (true)	DiscussWithPaidPreparerInd

Field	Value	IRS element (for citing)
IRS Responsible Prty Info Curr	Yes (true)	IRSResponsiblePrtyInfoCurrInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	Michael Summers	PreparerPersonNm
PTIN	P00838533	PTIN
Phone	3173834000	PhoneNum
Preparation	2024-11-15	PreparationDt

Field	Value	IRS element (for citing)
Tax	2023	TaxYr
Build TS	2024-10-15 13:58:12Z	BuildTS

Form 990 IRS990

Principal Ofcr Business Name PrincipalOfcrBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	Patricia Ochal	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 36490	AddressLine1Txt
City	LAS VEGAS	CityNm
State Abbreviation	NV	StateAbbreviationCd
ZIP	89133	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$73,395,139	GrossReceiptsAmt
Group Return For Affiliates	false	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.CCCULV.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1951	FormationYr
Legal Domicile State	NV	LegalDomicileStateCd
Activity Or Mission	A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	243	TotalEmployeeCnt
Total Volunteers	12	TotalVolunteersCnt
Total Gross UBI	$688,903	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$174,358	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$44,461,515	PYProgramServiceRevenueAmt
CY Program Service Revenue	$58,076,726	CYProgramServiceRevenueAmt
PY Investment Income	$8,336,126	PYInvestmentIncomeAmt
CY Investment Income	$7,855,970	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$52,797,641	PYTotalRevenueAmt
CY Total Revenue	$65,932,696	CYTotalRevenueAmt
PY Grants And Similar Paid	$60,108	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$106,983	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$17,519,200	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$18,348,017	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$22,509,899	PYOtherExpensesAmt
CY Other Expenses	$34,192,666	CYOtherExpensesAmt
PY Total Expenses	$40,089,207	PYTotalExpensesAmt
CY Total Expenses	$52,647,666	CYTotalExpensesAmt
PY Revenues Less Expenses	$12,708,434	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$13,285,030	CYRevenuesLessExpensesAmt
Total Assets BOY	$1,144,632,634	TotalAssetsBOYAmt
Total Assets EOY	$1,172,665,828	TotalAssetsEOYAmt
Total Liabilities BOY	$1,029,874,810	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$1,039,156,670	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$114,757,824	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$133,509,158	NetAssetsOrFundBalancesEOYAmt
Mission	BOARD APPROVED MISSION: TO HELP CLARK COUNTY CREDIT UNION MEMBERS REALIZE THEIR FINANCIAL GOALS AND DREAMS. CLARK COUNTY CREDIT UNION IS A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST APPROVED BY THE BOARD OF DIRECTORS; PROVIDING AN OPPORTUNITY FOR MEMBERS TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, CLARK COUNTY CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICE OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS.	MissionDesc
Significant New Program Srvc	false	SignificantNewProgramSrvcInd
Significant Change	false	SignificantChangeInd
Desc	DURING 2023, CLARK COUNTY CREDIT UNION MAINTAINED A YEAR-TO-DATE NET WORTH RATIO OF 12.90%. USING A MULTI-MEDIA MARKETING APPROACH COMBINED WITH PERSONAL CUSTOMER SERVICE AND CUSTOMIZED LENDING OPTIONS. CCCU IS LIVING UP TO ITS MISSION OF HELPING MEMBERS REALIZE THEIR FINANCIAL GOALS AND DREAMS.	Desc
Total Program Service Expenses	$0	TotalProgramServiceExpensesAmt
Described In Section501c3	false	DescribedInSection501c3Ind
Schedule B Required	false	ScheduleBRequiredInd
Political Campaign Acty	false	PoliticalCampaignActyInd
Donor Advised Fund	false	DonorAdvisedFundInd
Conservation Easements	false	ConservationEasementsInd
Collections Of Art	false	CollectionsOfArtInd
Credit Counseling	false	CreditCounselingInd
Donor Rstr Or Quasi Endowments	false	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (true)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	false	ReportInvestmentsOtherSecInd
Report Program Related Invst	Yes (true)	ReportProgramRelatedInvstInd
Report Other Assets	false	ReportOtherAssetsInd
Report Other Liabilities	Yes (true)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (true)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	false	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	Yes (true)	ConsolidatedAuditFinclStmtInd
School Operating	false	SchoolOperatingInd
Foreign Office	false	ForeignOfficeInd
Foreign Activities	false	ForeignActivitiesInd
More Than5000 K To Org	false	MoreThan5000KToOrgInd
More Than5000 K To Individuals	false	MoreThan5000KToIndividualsInd
Professional Fundraising	false	ProfessionalFundraisingInd
Fundraising Activities	false	FundraisingActivitiesInd
Gaming Activities	false	GamingActivitiesInd
Operate Hospital	false	OperateHospitalInd
Grants To Organizations	Yes (true)	GrantsToOrganizationsInd
Grants To Individuals	false	GrantsToIndividualsInd
Schedule J Required	Yes (true)	ScheduleJRequiredInd
Tax Exempt Bonds	false	TaxExemptBondsInd
Loan Outstanding	Yes (true)	LoanOutstandingInd
Grant To Related Person	false	GrantToRelatedPersonInd
Business Rln With Org Mem	false	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	false	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	false	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	false	DeductibleNonCashContriInd
Deductible Art Contribution	false	DeductibleArtContributionInd
Terminate Operations	false	TerminateOperationsInd
Partial Liquidation	false	PartialLiquidationInd
Disregarded Entity	false	DisregardedEntityInd
Related Entity	Yes (true)	RelatedEntityInd
Related Organization Ctrl Ent	false	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	false	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (true)	ScheduleORequiredInd
IRP Document	32225	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (true)	BackupWthldComplianceInd
Employee	243	EmployeeCnt
Employment Tax Returns Filed	Yes (true)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (true)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (true)	Form990TFiledInd
Foreign Financial Account	false	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTransInd
Taxable Party Notification	false	TaxablePartyNotificationInd
Nondeductible Contributions	false	NondeductibleContributionsInd
Quid Pro Quo Contributions	false	QuidProQuoContributionsInd
Form8282 Property Disposed Of	false	Form8282PropertyDisposedOfInd
Rcv Fnds To Pay Prsnl Bnft Cntrct	false	RcvFndsToPayPrsnlBnftCntrctInd
Pay Premiums Prsnl Bnft Cntrct	false	PayPremiumsPrsnlBnftCntrctInd
Indoor Tanning Services	false	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	false	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	false	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	7	GoverningBodyVotingMembersCnt
Independent Voting Member	7	IndependentVotingMemberCnt
Family Or Business Rln	false	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	false	DelegationOfMgmtDutiesInd
Change To Org Documents	false	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	false	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (true)	MembersOrStockholdersInd
Election Of Board Members	Yes (true)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (true)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (true)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (true)	MinutesOfCommitteesInd
Officer Mailing Address	false	OfficerMailingAddressInd
Local Chapters	Yes (true)	LocalChaptersInd
Policies Reference Chapters	Yes (true)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	false	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (true)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (true)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (true)	RegularMonitoringEnfrcInd
Whistleblower Policy	false	WhistleblowerPolicyInd
Document Retention Policy	Yes (true)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (true)	CompensationProcessCEOInd
Compensation Process Other	Yes (true)	CompensationProcessOtherInd
Investment In Joint Venture	false	InvestmentInJointVentureInd
States Where Copy Of Return Is Fld	NV	StatesWhereCopyOfReturnIsFldCd
Other Website	Yes (X)	OtherWebsiteInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	PATRICIA OCHAL	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	7029393143	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 36490	AddressLine1Txt
City	LAS VEGAS	CityNm
State Abbreviation	NV	StateAbbreviationCd
ZIP	89133	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (18 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
ALISE HANEY
BOARD MEMBER	1.0	0.0	Yes (X)	$0	$0	$0
DEBBIE CONWAY
BOARD MEMBER	1.0	0.0	Yes (X)	$0	$0	$0
DOUG SPRING
CHAIRMAN OF THE BOARD	1.0	0.0	Yes (X)	$0	$0	$0
ED ZAGALO
BOARD MEMBER	1.0	0.0	Yes (X)	$0	$0	$0
ERIC JORGENSON
BOARD MEMBER	1.0	0.0	Yes (X)	$0	$0	$0
MICHAEL SCHRAMM
BOARD MEMBER	1.0	0.0	Yes (X)	$0	$0	$0
TED OLIVAS
VICE CHAIR OF THE BOARD	1.0	0.0	Yes (X)	$0	$0	$0
DAVID UPHAM
CHIEF OPERATING OFFICER	40.0	0.0		$251,862	$0	$89,661	Yes (X)
JOSHUA HALDEMAN
CHIEF LENDING OFFICER	40.0	0.0		$231,224	$0	$16,971	Yes (X)
MATT KERSHAW
CHIEF EXECUTIVE OFFICER	40.0	0.0		$476,411	$0	$24,750	Yes (X)
MATTHEW BECKER
CHIEF TECHNOLOGY OFFICER	40.0	0.0		$211,599	$0	$15,729	Yes (X)
PATRICIA OCHAL
CHIEF FINANCIAL OFFICER	40.0	0.0		$395,638	$0	$13,802	Yes (X)
SHANNON HILLER
CHIEF MARKETING OFFICER	40.0	0.0		$205,277	$0	$15,014	Yes (X)
CHRIS SCHLAFFMAN
VP COMMERCIAL LENDING MANAGER	40.0	0.0		$192,718	$0	$19,567		Yes (X)
IAN POLLEY
VP OF CONSUMER LENDING	40.0	0.0		$151,812	$0	$16,571		Yes (X)
JOHN GENTILE
VP COMMERCIAL LENDING	40.0	0.0		$160,875	$0	$2,976		Yes (X)
MICHAEL HENRIKSEN
VP CONTROLLER	40.0	0.0		$153,413	$0	$16,680		Yes (X)
SHEILA BRYSON
DIRECTOR REAL ESTATE LENDING	40.0	0.0		$154,516	$0	$8,442		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$2,585,345	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$240,163	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	34	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	false	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (true)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	false	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
JA Tiberti Construction Co Inc
1806 Industrial Rd	Las Vegas	NV	89102	Construction Remodel	$1,922,694
Peter J Stoddard
629 Cervantes Dr	Henderson	NV	89014	Advertising	$1,226,434
Fiserv Inc
PO Box 80123	City of Industry	CA	91716	Core system	$1,065,701
Q2 Software Inc
PO Box 205970	Dallas	TX	75320	Online Banking	$1,046,194
ampliFI Loyalty Solutions LLC
1620 Bond St	Naperville	IL	60563	Credit/Debit Card Rewards	$946,243

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	30	CntrctRcvdGreaterThan100KCnt
Total Contributions	$0	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (5 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST - LOANS	522100	$45,526,364	$45,526,364
INTERCHANGE INCOME	522100	$5,238,915	$5,028,530	$210,385
SERVICE & MEMBER FEES	522100	$4,294,988	$4,294,988
OTHER OPERATING INCOME	522100	$1,943,070	$1,464,552	$478,518
GAP INSURANCE	522100	$1,073,389	$1,073,389

Total Oth Program Service Rev TotalOthProgramServiceRevGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt
Related Or Exempt Func Income	$0	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$58,076,726	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$8,038,905	TotalRevenueColumnAmt
Related Or Exempt Func Income	$8,038,905	RelatedOrExemptFuncIncomeAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	$0	RealAmt
Personal	$0	PersonalAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$6,846,457	SecuritiesAmt
Other	$433,051	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$7,460,623	SecuritiesAmt
Other	$1,820	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	-$614,166	SecuritiesAmt
Other	$431,231	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$182,935	TotalRevenueColumnAmt
Related Or Exempt Func Income	-$182,935	RelatedOrExemptFuncIncomeAmt

Miscellaneous Revenue MiscellaneousRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt
Related Or Exempt Func Income	$0	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$0	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$65,932,696	TotalRevenueColumnAmt
Related Or Exempt Func Income	$65,243,793	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$688,903	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$106,983	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,947,938	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$12,772,643	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$796,170	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,625,363	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$1,205,903	TotalAmt

Fees For Services Management FeesForServicesManagementGrp

Field	Value	IRS element (for citing)
Total	$303,274	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$241,755	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$220,338	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$2,929,931	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$1,834,033	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$5,354,671	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$448,323	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$1,258,081	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$86,532	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$14,388,616	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$777,950	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$7,681	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
PROVISION FOR LOAN LOSS	$3,072,726
VISA FEES/CHARGES	$1,644,482
BILL PAYER FEES	$1,029,144
LOAN SERVICING	$525,142

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$69,987	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$52,647,666	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$14,522,596	BOYAmt
EOY	$13,034,049	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$119,937,354	BOYAmt
EOY	$84,721,708	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
BOY	$1,731,393	BOYAmt
EOY	$1,728,963	EOYAmt

Rcvbl From Disqualified Prsn RcvblFromDisqualifiedPrsnGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$1,730,912	BOYAmt
EOY	$2,182,445	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$27,752,897	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$11,552,245	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$14,895,303	BOYAmt
EOY	$16,200,652	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$183,566,435	BOYAmt
EOY	$167,906,642	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
BOY	$784,500,515	BOYAmt
EOY	$856,117,443	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$23,748,126	BOYAmt
EOY	$30,773,926	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$1,144,632,634	BOYAmt
EOY	$1,172,665,828	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$14,585,334	BOYAmt
EOY	$15,748,513	EOYAmt

Loans From Officers Directors LoansFromOfficersDirectorsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,015,289,476	BOYAmt
EOY	$1,023,408,157	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$1,029,874,810	BOYAmt
EOY	$1,039,156,670	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$114,757,824	BOYAmt
EOY	$133,509,158	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$114,757,824	BOYAmt
EOY	$133,509,158	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$1,144,632,634	BOYAmt
EOY	$1,172,665,828	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$13,285,030	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$5,499,166	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	-$32,862	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	false	AccountantCompileOrReviewInd
FS Audited	Yes (true)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Consolidated Basis Fincl Stmt	Yes (X)	ConsolidatedBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (true)	AuditCommitteeInd
Federal Grant Audit Required	false	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$4,217,265	OtherCostOrOtherBasisAmt
Book Value	$4,217,265	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$15,517,137	OtherCostOrOtherBasisAmt
Depreciation	$5,719,591	DepreciationAmt
Book Value	$9,797,546	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,313,040	OtherCostOrOtherBasisAmt
Depreciation	$1,105,620	DepreciationAmt
Book Value	$207,420	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$6,495,987	OtherCostOrOtherBasisAmt
Depreciation	$4,727,034	DepreciationAmt
Book Value	$1,768,953	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$209,468	OtherCostOrOtherBasisAmt
Book Value	$209,468	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$16,200,652	TotalBookValueLandBuildingsAmt

Invst Program Related Org InvstProgramRelatedOrgGrp (5 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
LOANS TO MEMBERS	$835,090,699	F
LOANS HELD FOR SALE	$0	C
ASI SHARE INSURANCE	$13,751,403	C
ALL OTHER INVESTMENTS	$6,577,531	C
INVESTMENT IN CUSOS	$697,810	C

Field	Value	IRS element (for citing)
Total Book Value Program Rltd	$856,117,443	TotalBookValueProgramRltdAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	Members Shares and Deposits	Desc
Amt	$1,023,408,157	Amt

Field	Value	IRS element (for citing)
Total Liability	$1,023,408,157	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd
Total Rev Etc Audited Fincl Stmt	$53,970,520	TotalRevEtcAuditedFinclStmtAmt
Net Unrealized Gains Invst	$5,499,166	NetUnrealizedGainsInvstAmt
Donated Services And Use Fclts	$0	DonatedServicesAndUseFcltsAmt
Recoveries Prior Year Grants	$0	RecoveriesPriorYearGrantsAmt
Other Revenue	$0	OtherRevenueAmt
Revenue Not Reported	$5,499,166	RevenueNotReportedAmt
Revenue Subtotal	$48,471,354	RevenueSubtotalAmt
Other Revenues Not Included	$17,461,342	OtherRevenuesNotIncludedAmt
Revenue Not Reported Fincl Stmt	$17,461,342	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$65,932,696	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$35,186,324	TotExpnsEtcAuditedFinclStmtAmt
Donated Services Use Fclts	$0	DonatedServicesUseFcltsAmt
Prior Year Adjustments	$0	PriorYearAdjustmentsAmt
Losses Reported	$0	LossesReportedAmt
Other Expenses Included	$0	OtherExpensesIncludedAmt
Expenses Not Reported	$0	ExpensesNotReportedAmt
Expenses Subtotal	$35,186,324	ExpensesSubtotalAmt
Investment Expenses Not Incld2	$0	InvestmentExpensesNotIncld2Amt
Other Expenses Not Included	$17,461,342	OtherExpensesNotIncludedAmt
Expenses Not Rpt Fincl Stmt	$17,461,342	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$52,647,666	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail (3 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Schedule D, Part X, Line 2 FIN 48 (ASC 740) footnote	FASB ASC 740-10-65, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED, AND PRESENTED IN THE CONSOLIDATED FINANCIAL STATEMENTS. THIS REQUIRES THE 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 POSITIONS ARE SUSTAINED AUTHORITY. TAX POSITIONS DEEMED TO NOT MEET THE MORE-LIKELY-THAN-NOT THRESHOLD SHOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. FOR THE YEAR ENDED DECEMBER 31, 2023, MANAGEMENT HAS DETERMINED THAT THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS.
Schedule D, Part XI, Line 4(b) Other revenues in form 990 not in audited financial statements	Interest Expense - 14388616 Loan Losses - 3072726
Schedule D, Part XII, Line 4(b) Other expenses in form 990 not in audited financial statements	Interest Expense - 14388616 Loan Losses - 3072726

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	Yes (true)	GrantRecordsMaintainedInd

Recipient Table RecipientTable (5 entries)

Address Line1USAddress/AddressLine1Txt	CityUSAddress/CityNm	State AbbreviationUSAddress/StateAbbreviationCd	ZIPUSAddress/ZIPCd	Recipient EINRecipientEIN	IRC SectionIRCSectionDesc	Cash GrantCashGrantAmt	Purpose Of GrantPurposeOfGrantTxt
Board of Regents Nevada System of Higher Education
2601 Enterprise Rd	Reno	NV	89512	886000024	501(C)(3)	$5,500	Scholarships/Sponsorship
Children's Miracle Network
205 West 700 South	Salt Lake City	UT	84101	870387205	501(c)(3)	$8,107	Sponsorship
Henderson Chamber of Commerce
400 N Green Valley Pkwy	Henderson	NV	89074	880071419	501(C)(6)	$11,969	Sponsorship
Nevada Credit Union League Inc
2855 E Guasti Rd	Ontario	CA	91761	880106501	501(c)(6)	$15,000	Membership Dues
Roseman University of Health Sciences
11 Sunset Way	Henderson	NV	89014	880435559	501(c)(3)	$5,600	Sponsorship

Field	Value	IRS element (for citing)
Total501c3 Org	3	Total501c3OrgCnt
Total Other Org	2	TotalOtherOrgCnt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	Schedule I, Part I, Line 2 Procedures for monitoring use of grant funds.	FormAndLineReferenceDesc
Explanation	CLARK COUNTY CREDIT UNION VERIFIES THE ORGANIZATON RECEIVING THE GRANT IS A 501(C)(3). NEVADA CREDIT UNION LEAGUE INC. PROVIDES CREDIT UNIONS WITH LEADERSHIP, ADVOCACY, INFORMATION, AND EDUCATION. THE HENDERSON CHAMBER OF COMMERCE ADVANCES THE COMMERCIAL, INDUSTRIAL, CIVIC, AND GENERAL INTEREST OF ITS CHAMBER MEMBERS. THE CITY OF HENDERSON, AND CLARK COUNTY, NEVADA BOTH PROMOTE THE ECONOMIC ENVIRONMENT FOR BUSINESS AND ADVOCATE FOR RESPONSIVE GOVERNMENT. THE BOARD OF REGENTS NEVADA SYSTEM OF HIGHER EDUCATION IS TO PROVIDE HIGH-QUALITY HIGHER EDUCATION TO NEVADA CITIZENS. ROSEMAN UNIVERSITY OF HEALTH SCIENCES ADVANCES THE HEALTH AND WELLNESS OF THE COMMUNITIES THEY SERVE BY EDUCATING CURRENT AND FUTURE GENERATIONS OF HEALTH PROFESSIONALS, CONDUCTING RESEARCH, AND PROVIDING PATIENT CARE. Children's Miracle Network saves the lives of children by raising funds and awareness for local children's hospitals.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	Yes (X)	TravelForCompanionsInd
Written Policy Ref T And E Expnss	Yes (true)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (true)	SubstantiationRequiredInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	false	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (true)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	false	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (11 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
MATT KERSHAW
CHIEF EXECUTIVE OFFICER	$440,186	$0	$36,225	$0	$0	$0	$24,750	$0	$0	$0	$501,161	$0	$0	$0
PATRICIA OCHAL
CHIEF FINANCIAL OFFICER	$368,888	$0	$26,750	$0	$0	$0	$13,802	$0	$0	$0	$409,440	$0	$0	$0
DAVID UPHAM
CHIEF OPERATING OFFICER	$226,612	$0	$25,250	$0	$0	$0	$89,661	$0	$0	$0	$341,523	$0	$0	$0
JOSHUA HALDEMAN
CHIEF LENDING OFFICER	$209,074	$0	$22,150	$0	$0	$0	$16,971	$0	$0	$0	$248,195	$0	$0	$0
MATTHEW BECKER
CHIEF TECHNOLOGY OFFICER	$190,949	$0	$20,650	$0	$0	$0	$15,729	$0	$0	$0	$227,328	$0	$0	$0
SHANNON HILLER
CHIEF MARKETING OFFICER	$184,777	$0	$20,500	$0	$0	$0	$15,014	$0	$0	$0	$220,291	$0	$0	$0
CHRIS SCHLAFFMAN
VP COMMERCIAL LENDING MANAGER	$146,767	$0	$45,951	$0	$0	$0	$14,745	$0	$4,822	$0	$212,285	$0	$0	$0
SHEILA BRYSON
DIRECTOR REAL ESTATE LENDING	$132,397	$0	$22,119	$0	$0	$0	$6,948	$0	$1,494	$0	$162,958	$0	$0	$0
IAN POLLEY
VP OF CONSUMER LENDING	$139,812	$0	$12,000	$0	$0	$0	$11,749	$0	$4,822	$0	$168,383	$0	$0	$0
MICHAEL HENRIKSEN
VP CONTROLLER	$143,145	$0	$10,268	$0	$0	$0	$11,858	$0	$4,822	$0	$170,093	$0	$0	$0
JOHN GENTILE
VP COMMERCIAL LENDING	$99,386	$0	$61,489	$0	$0	$0	$0	$0	$2,976	$0	$163,851	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc

ExplanationExplanationTxt

Schedule J, Part I, Line 1a Travel for companions

CCCU provides companion travel for its volunteer Board Members and CEO to the Volunteer Leadership Institute (VLI) Conference, as well as to the Annual Strategic Planning Meeting with Executive Management. Some (not all) Board Members/Executive Management Officers may bring their spouses to the Annual Strategic Planning Meeting.

Schedule J, Part I, Line 4b Supplemental nonqualified retirement plan

During the year ended December 31, 2017, the Credit Union entered into a split-dollar agreement with the Chief Executive Officer (CEO). Under the arrangement, the Credit Union makes a loan to the executive equal to the life insurance policy premiums. The executive assigns the insurance policy to the Credit Union as collateral for repaying the premiums and borrows from the policy to supplement retirement income. The Credit Union is repaid from the policy's death proceeds. Interest accrues on the loans at the applicable federal rate at the time of the advance. Any principal or interest not repaid under the arrangements is taxable to the executive. During the year ended December 31, 2017, the Credit Union advanced $1,700,000 to the executive in order to cover the premiums. The total funding includes one year of premium and six additional premium commitments of $254,512 per year, held in a premium deposit account at Minnesota Life Insurance Company, currently rated A+ (Superior) by A.M. Best Company, an insurance industry rating agency. The Credit Union records a loan receivable at the lesser of the cash surrender value of the policy or the loan amount plus accrued interest. As of December 31, 2023 and 2022, the balance of the loan to the CEO under this arrangement, net of applicable allowances, was approximately $1,728,963 and $1,731,393, respectively. During the year ended December 31, 2022, the Credit Union entered into a split-dollar agreement with the Chief Lending Officer (CLO) and Chief Marketing Officer (CMO). Under the arrangements, the Credit Union makes a loan to the executive equal to the life insurance policy premiums. The executive assigns the insurance policy to the Credit Union as collateral for repaying the premiums and borrows from the policy to supplement retirement income. The Credit Union is repaid from the policy's death proceeds. Interest accrues on the loans at the applicable federal rate at the time of the advance. Any principal or interest not repaid under the arrangements is taxable to the executive. During the year ended December 31, 2022, the Credit Union advanced $1,350,000 and $1,200,000 to the CLO and CMO, respectively, in order to cover the premiums. The total funding includes one year of premium and three additional premium commitments of $343,648 and $305,464 per year for the CLO and CMO, respectively, held in a premium deposit account at Minnesota Life Insurance Company, currently rated A+ (Superior) by A.M. Best Company, an insurance industry rating agency. The Credit Union records a loan receivable at the lesser of the cash surrender value of the policy or the loan amount plus accrued interest. As of December 31, 2023 and 2022, the balance of the loans to the CLO under this arrangement, net of applicable allowances, was approximately $1,309,899 and $1,323,186, respectively. As of December 31, 2023 and 2022, the balance of the loan to the CMO under this arrangement, net of applicable allowances, was approximately $1,166,671 and $1,175,441, respectively. DAVID UPHAM (COO) PARTICIPATES IN A 457(F) PLAN. THERE WERE CONTRIBUTIONS TOTALING $71,853 DURING THE CURRENT YEAR.

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (4 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan PurposeLoanPurposeTxt	Loan From OrganizationLoanFromOrganizationInd	Original PrincipalOriginalPrincipalAmt	Balance DueBalanceDueAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd
Matthew Kershaw
Officer	Fund Purchase of Life Insurance	Yes (X)	$1,700,000	$1,728,963	false	Yes (true)	Yes (true)
Joshua Haldeman
Officer	Fund purpose of life insurance	Yes (X)	$1,350,000	$1,309,899	false	Yes (true)	Yes (true)
Shannon Hiller
Officer	Fund Purchase of life insurance	Yes (X)	$1,200,000	$1,166,671	false	Yes (true)	Yes (true)
Patricia Ochal
Officer	RESTRICTED BONUS PLAN	Yes (X)	$1,386,616	$1,285,207	false	Yes (true)	Yes (true)

Field	Value	IRS element (for citing)
Total Balance Due	$5,490,740	TotalBalanceDueAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	Schedule L, Part II LOANS TO AND FROM INTERESTED PERSONS	FormAndLineReferenceDesc
Explanation	(A) NAME OF PERSONS: MATTHEW KERSHAW, JOSHUA HALDEMAN, AND SHANNON HILLER (C) PURPOSE OF LOAN: FUND PURCHASE OF CASH VALUE LIFE INSURANCE POLICY	ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (9 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Form 990, Part VI, Line 6 Classes of members or stockholders	CLARK COUNTY CREDIT UNION IS A COOPERATIVE FINANCIAL INSTITUTION THAT IS OWNED AND CONTROLLED BY ITS MEMBERS AND OPERATED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS TO ITS MEMBERS. CLARK COUNTY CREDIT UNION DOES NOT HAVE STOCKHOLDERS.
Form 990, Part VI, Line 7a Members or stockholders electing members of governing body	THE GOVERNING BOARD OF CLARK COUNTY CREDIT UNION IS COMPRISED OF VOLUNTEER MEMBERS WHO ARE DIRECTLY ELECTED BY ITS MEMBERS. EACH MEMBER OF THE GOVERNING BOARD SERVES FOR A PERIOD AS PRESCRIBED BY ITS BY-LAWS.
Form 990, Part VI, Line 7b Decisions requiring approval by members or stockholders	AT THE END OF EACH BOARD MEMBER'S TERM, ELECTIONS ARE HELD AND BOARD MEMBERS ARE VOTED BY THE MEMBERS OF THE CREDIT UNION PURSUANT TO THE CREDIT UNION'S BY-LAWS. MEMBER VOTES ARE ALSO REQUIRED TO RATIFY DECISIONS DEALING WITH REORGANIZATIONS AS IN THE CASE OF MERGER OR DISSOLUTION.
Form 990, Part VI, Line 11b Review of form 990 by governing body	THE FORM 990 IS REVIEWED BY THE CHIEF FINANCIAL OFFICER AND VICE PRESIDENT CONTROLLER PRIOR TO SUBMISSION TO THE IRS. THE FORM 990 IS ALSO REVIEWED BY STATE EXAMINERS AND AN INDEPENDENT CERTIFIED PUBLIC ACCOUNTING FIRM.
Form 990, Part VI, Line 12c Conflict of interest policy	CLARK COUNTY CREDIT UNION'S HUMAN RESOUCES DEPARTMENT REGULARLY MONITORS AND ENFORCES EMPLOYEE COMPLIANCE REGARDING ANY CONFLICTS OF INTEREST.
Form 990, Part VI, Line 15a Process to establish compensation of top management official	THE BOARD OF DIRECTORS REVIEWS THE CEO'S SALARY EACH YEAR DURING THE FEBRUARY/MARCH TIMEFRAME.
Form 990, Part VI, Line 15b Process to establish compensation of other employees	THE CREDIT UNION USES A THIRD PARTY VENDOR TO REVIEW COMPENSATION BY JOB TYPE/GRADE. OTHER EXECUTIVES ARE THEN REVIEWED BY CEO. KEY EMPLOYEES ARE REVIEWED BY THE EXECUTIVE OFFICER THEY REPORT TO.
Form 990, Part VI, Line 19 Required documents available to the public	CLARK COUNTY CREDIT UNION MAKES ITS GOVERNING DOCUMENTS, FINANCIAL STATEMENTS, AND CONFLICT OF INTEREST POLICY AVAILABLE TO ITS MEMBERS UPON REQUEST.
Form 990, Part XI, Line 9 Other changes in net assets or fund balances	Prior year MABS investment income - -32862;

Schedule R IRS990ScheduleR

Id Related Org Txbl Corp Tr IdRelatedOrgTxblCorpTrGrp

Related Organization Name RelatedOrganizationName

Field	Value	IRS element (for citing)
Business Name Line1	MEMBERS AUTO BROKERAGE INC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 36490	AddressLine1Txt
City	LAS VEGAS	CityNm
State Abbreviation	NV	StateAbbreviationCd
ZIP	89133	ZIPCd

Field	Value	IRS element (for citing)
EIN	880394216	EIN
Primary Activities	USED CAR SALES	PrimaryActivitiesTxt
Legal Domicile State	NV	LegalDomicileStateCd

Direct Controlling Entity Name DirectControllingEntityName

Field	Value	IRS element (for citing)
Business Name Line1	CLARK COUNTY CU	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Entity Type	C Corporation	EntityTypeTxt
Share Of Total Income	$853,556	ShareOfTotalIncomeAmt
Share Of EOY Assets	$957,164	ShareOfEOYAssetsAmt
Ownership	1.0000	OwnershipPct
Controlled Organization	Yes (true)	ControlledOrganizationInd

Field	Value	IRS element (for citing)
Receipt Of Int Annts Rnts Rylts	false	ReceiptOfIntAnntsRntsRyltsInd
Gift Grnt Or Cap Contri To Oth Org	false	GiftGrntOrCapContriToOthOrgInd
Gift Grnt Cap Contri From Oth Org	false	GiftGrntCapContriFromOthOrgInd
Loans Or Guarantees To Other Org	Yes (true)	LoansOrGuaranteesToOtherOrgInd
Loans Or Guarantees From Oth Org	false	LoansOrGuaranteesFromOthOrgInd
Div Related Organization	false	DivRelatedOrganizationInd
Asset Sale To Other Org	false	AssetSaleToOtherOrgInd
Asset Purchase From Other Org	false	AssetPurchaseFromOtherOrgInd
Asset Exchange	false	AssetExchangeInd
Rental Of Facilities To Oth Org	Yes (true)	RentalOfFacilitiesToOthOrgInd
Rental Of Fclts From Oth Org	false	RentalOfFcltsFromOthOrgInd
Perform Of Services For Oth Org	false	PerformOfServicesForOthOrgInd
Perform Of Services By Other Org	false	PerformOfServicesByOtherOrgInd
Sharing Of Facilities	Yes (true)	SharingOfFacilitiesInd
Paid Employees Sharing	Yes (true)	PaidEmployeesSharingInd
Reimbursement Paid To Other Org	false	ReimbursementPaidToOtherOrgInd
Reimbursement Paid By Other Org	Yes (true)	ReimbursementPaidByOtherOrgInd
Transfer To Other Org	false	TransferToOtherOrgInd
Transfer From Other Org	false	TransferFromOtherOrgInd