2019-10-02T16:31:19-05:00 2018-12-31 410746749 CLIFTONLARSONALLEN LLP 20 E THOMAS RD STE 2300 PHOENIX AZ 85012 990 2018-01-01 880063564 ONE NEVADA CREDIT UNION ONEN 7029485392 2645 S MOJAVE ROAD LAS VEGAS NV 89121 STEPHEN O'DONNELL EVP, CFO 7029485392 2019-09-20 1 MARY C GREEN P00447183 6022662248 67.137.57.251 2019-09-20 12:16:39 US P 80DC5DB5BFAFB5801E5E7B93D71E1403E13A8FE4 734C1E273F74A2F5BE0F14AFC1E3F98531097F4D 2018 2019-02-21 02:37:17Z STEPHEN O'DONNELL 2645 S MOJAVE ROAD LAS VEGAS NV 89121 62141006 0 X WWW.ONENEVADA.ORG X 1950 NV TRUSTED PROVIDER OF SUPERIOR FINANCIAL SERVICES TO OUR MEMBER-OWNERS. 6 6 289 12 463063 152493 0 0 52241170 53460726 5071469 8642965 0 0 57312639 62103691 0 0 621183 675015 20990177 21507838 0 0 0 26108770 26484055 47720130 48666908 9592509 13436783 877314577 915280080 768245149 792728700 109069428 122551380 TRUSTED PROVIDER OF SUPERIOR FINANCIAL SERVICES TO OUR MEMBER-OWNERS. 0 0 PROVIDE FINANCIAL SERVICES TO MEMBER-OWNERS. 0 0 1 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 11690 0 289 1 1 1 0 0 0 0 0 0 0 X 6 6 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 1 1 1 1 1 0 X STEPHEN O'DONNELL 7029485392 2645 S MOJAVE RD LAS VEGAS NV 89121 PETE PETERSON PRESIDENT/CHAIR 1.00 X 0 0 0 MARK FERRARIO VICE PRESIDENT/VICE CHAIR 1.00 X 0 0 0 VINCE ECKELKAMP TREASURER AND SECRETARY 1.00 X 0 0 0 BILLY MCCOY BOARD OF DIRECTORS (RESIGNED 8/23/18) 1.00 X 0 0 0 MICHAEL LANCE BOARD OF DIRECTORS 1.00 X 0 0 0 DENNIS SHIPLEY BOARD OF DIRECTORS 1.00 X 0 0 0 BILL FLAXA BOARD OF DIRECTORS 1.00 X 0 0 0 BRAD BEAL PRESIDENT/CEO 40.00 X 576838 0 15213 PAUL PARRISH EVP/COO 40.00 X 415527 0 55029 TOM ERNSPERGER SVP 40.00 X 263000 0 47537 MICHAEL TRAFICANTI SVP 40.00 X 261674 0 47591 STEVE O'DONNELL EVP/CFO 40.00 X 237867 0 33448 DEBORAH COLBY SVP/CMO 40.00 X 172449 0 23741 ROGER WHITE REAL ESTATE LOAN OFFICER 40.00 X 232573 0 28320 ANTHONY TUASON REAL ESTATE LOAN OFFICER 40.00 X 194648 0 26949 KIM WESTOVER VP REAL ESTATE 40.00 X 207975 0 26605 CHRIS WIBLE VP INVESTMENTS 40.00 X 205444 0 39237 DANIEL DUFFY REAL ESTATE LOAN OFFICER 40.00 X 183656 0 25994 2951651 0 369664 37 0 1 0 WORLDPAY 8500 GOVERNORS HILL DRIVE SYMMES TOWNSHIP OH 45249 DEBIT/ATM PROCESSOR 1827723 ON TARGET MEDIA 621 DU FORT AVE HENDERSON NV 89002 MARKETING/MEDIA 1405173 CONNECT 64 E WINCHESTER ST SUITE 300 MURRAY UT 84107 ONLINE BANKING PROVIDER 1355423 PSCU 560 CARILLON PARKWAY ST PETERSBURG FL 33716 CREDIT CARD & GIFT CARD PROCESSOR 888102 CENTURYLINK 100 CENTURYLINK DR MONROE LA 71203 DATACOM SERVICES 813679 36 FEE INCOME 522100 27737055 27282074 454981 LOAN INTEREST 522100 25176405 25176405 NCUA SHARE INSURANCE REFUND 522100 547266 547266 53460726 8330016 8082 8321934 350264 37315 312949 312949 312949 62103691 53005745 463063 8634883 X 675015 2149916 15281675 883576 1920231 1272440 122123 60000 34000 1059295 2533543 791559 1630858 2922547 299713 2597945 105340 UNRELATED BUSINESS INCO 26061 PROVISION FOR LOAN LOSS 4601015 VISA CARD PROCESSING 2752612 LOAN SERVICING EXPENSE 2181193 4766251 48666908 14934285 16784003 349154653 381105722 1723566 1718272 442037400 457561295 2376873 1685961 24499474 17665558 7457390 6833916 48357137 36193677 11273273 13397234 877314577 915280080 4177951 5331588 647352 545760 763419846 786851352 768245149 792728700 X 0 0 0 0 109069428 122551380 109069428 122551380 877314577 915280080 13436783 45169 0 X 0 0 0 34000 34000 34000 1 NCUL PAC PO BOX 61530 BOULDER CITY NV 89006 880270264 10000 CAMPAIGN COMMITTEE TO ELECT JASON FRIERSON 7925 W RUSSELL RD 400187 LAS VEGAS NV 89140 800520768 3000 CAMPAIGN FOR BRITTNEY MILLER 9030 W SAHARA 364 LAS VEGAS NV 89117 811720889 1000 COMMITTEE TO ELECT JAMES OHRENSCHALL PO BOX 97741 LAS VEGAS NV 89193 272303358 1500 COMMITTEE TO ELECT MOISES DENIS 3204 OSAGE AVE LAS VEGAS NV 89101 010571159 1500 COMMITTEE TO ELECT NICOLE CANNIZZARO 7901 COCOA BEACH CIR LAS VEGAS NV 89128 474860402 3000 COMMITTEE TO ELECT OZZIE FUMO 438 E SAHARA AVE LAS VEGAS NV 89104 474627257 1500 COMMITTEE TO ELECT SANDRA JAUREGUI 7582 LAS VEGAS BLVD S 118 LAS VEGAS NV 89123 475675506 1000 COMMITTEE TO ELECT STEVEN YEAGER 10120 W FLAMINGO RD STE 4162 LAS VEGAS NV 89147 464680743 3000 COMMITTEE TO ELECT TYRONE THOMPSON 117 FOX CROSSING AVE NORTH LAS VEGAS NV 89084 463136319 1500 COMMITTEE TO ELECT IRA HANSEN 68 AMIGO CT SPARKS NV 89441 272890043 1500 FRIENDS OF LESLEY COHEN 2657 WINDMILL PKWY 415 HENDERSON NV 89074 461592250 1000 FRIENDS OF JILL TOLLES 4790 CAUGHLIN PKWY 180 RENO NV 89519 474868322 1500 LISA KRASNER FOR NEVADA 59 DAMONTE RANCH PKWY B-460 RENO NV 89521 463235178 1000 WHEELER4NEVADA 1986 PALOMINO LN GARDNERVILLE NV 89410 475633236 2000 PART I-A, LINE 1: THE ORGANIZATION CONTRIBUTES TO NEVADA STATE LEGISLATOR CAMPAIGNS AND POLITICAL ACTION COMMITTEES (INDIRECT CONTRIBUTIONS) THAT ARE USED FOR ADMINISTRATIVE ACTIVITIES AND SOME CAMPAIGN CONTRIBUTIONS AS THE POLITICAL ACTION COMMITTEES SEE FIT. THE ORGANIZATION DOES NOT PARTICIPATE IN ANY POLITICAL CAMPAIGN ACTIVITIES FOR ANY CANDIDATE. 1399762 1399762 8382608 5249217 3133391 1915038 923363 991675 12802066 11492978 1309088 6833916 MEMBERS' SHARES AND SAVINGS ACCOUNTS 781673385 OTHER LIABILITIES 5177967 786851352 X 1 1 X X X X 0 1 0 BRAD BEAL PRESIDENT/CEO 286587 0 0 0 290251 0 12856 0 2357 0 592051 0 290251 0 PAUL PARRISH EVP/COO 371153 0 0 0 44374 0 45209 0 9820 0 470556 0 44374 0 TOM ERNSPERGER SVP 222978 0 0 0 40022 0 37717 0 9820 0 310537 0 40022 0 MICHAEL TRAFICANTI SVP 223384 0 0 0 38290 0 37771 0 9820 0 309265 0 38290 0 STEVE O'DONNELL EVP/CFO 211632 0 0 0 26235 0 23628 0 9820 0 271315 0 26235 0 DEBORAH COLBY SVP/CMO 172449 0 0 0 0 0 13921 0 9820 0 196190 0 0 0 ROGER WHITE REAL ESTATE LOAN OFFICER 232573 0 0 0 0 0 18500 0 9820 0 260893 0 0 0 ANTHONY TUASON REAL ESTATE LOAN OFFICER 194648 0 0 0 0 0 17129 0 9820 0 221597 0 0 0 KIM WESTOVER VP REAL ESTATE 190206 0 0 0 17769 0 16785 0 9820 0 234580 0 17769 0 CHRIS WIBLE VP INVESTMENTS 186823 0 0 0 18621 0 29417 0 9820 0 244681 0 18621 0 DANIEL DUFFY REAL ESTATE LOAN OFFICER 183656 0 0 0 0 0 16174 0 9820 0 209650 0 0 0 PART I, LINE 4B THE CREDIT UNION HAS A 457(F) SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN FOR A SELECT GROUP OF MANAGEMENT OR HIGHLY COMPENSATED EMPLOYEES. CONTRIBUTIONS TO THIS PLAN DURING 2018 WERE AS FOLLOWS: BRAD BEAL, PRESIDENT/CEO - $12,856 PAUL PARRISH, EVP/COO - $45,209 TOM ERNSPERGER, SVP - $37,717 MICHAEL TRAFICANTI, SVP - $37,717 STEVE O'DONNELL, EVP,CFO - $23,628 KIM WESTOVER, VP REAL ESTATE - $16,785 CHRIS WIBLE, VP INVESTMENTS - $29,417 FORM 990, PART VI, SECTION A, LINE 6 ONE NEVADA CREDIT UNION IS A MEMBER-OWNED STATE CHARTERED FINANCIAL INSTITUTION. PARTICIPATION IN THE CREDIT UNION IS LIMITED TO THOSE INDIVIDUALS THAT QUALIFY FOR MEMBERSHIP. THE FIELD OF MEMBERSHIP IS DEFINED IN THE CREDIT UNION'S CHARTER AND BYLAWS. THIS GENERALLY CONSISTS OF THOSE WHO LIVE, WORK, WORSHIP, OR ATTEND SCHOOL IN CLARK COUNTY, NELLIS AIR FORCE BASE, WASHOE COUNTY, AND NYE COUNTY, NEVADA. FORM 990, PART VI, SECTION A, LINE 7A ONE NEVADA CREDIT UNION IS A MEMBER-OWNED STATE CHARTERED FINANCIAL INSTITUTION. FORM 990, PART VI, SECTION A, LINE 7B VARIOUS DECISIONS COULD BE REQUIRED TO BE BROUGHT BEFORE THE MEMBERS (E.G. CHARTER CHANGE) FORM 990, PART VI, SECTION B, LINE 11B ONCU MANAGEMENT, AS DESIGNATED BY THE BOARD, PROVIDES REQUESTED DATA TO ITS THIRD-PARTY CPA FIRM; ONCU THEN RELIES ON ITS THIRD-PARTY CPA FIRM TO CORRECTLY GENERATE THE FORMS; ONCU MANAGEMENT REVIEWS THE FORMS; ONCU THEN RELIES ON ITS THIRD-PARTY CPA FIRM TO CORRECTLY FILE THE FORMS WITH THE IRS. FORM 990, PART VI, SECTION B, LINE 12C ONE NEVADA'S BOARD POLICIES INCLUDE A DIRECTOR QUALIFICATIONS POLICY AND A CODE OF CONDUCT POLICY. IN BOTH AREAS, CONFLICTS OF INTEREST ARE ADDRESSED IN A "TOP-DOWN" MANNER. ALSO, ONE NEVADA'S EMPLOYEE HANDBOOK AND MANAGEMENT PRACTICES GUIDE ADDRESS CONFLICTS OF INTEREST IN A "BOTTOM-UP" MANNER. DIRECTORS/VOLUNTEERS ARE REQUIRED TO DISCLOSE ANY DIRECT OR PERCEIVED CONFLICT OF INTEREST AT ANY TIME IT MAY OCCUR. THEY THEN MUST ABSTAIN FROM ANY OFFICIAL ACTION THAT WOULD TRIGGER THAT CONFLICT. IF THEY FAIL TO DO THIS, THEY WILL BE ASKED TO RESIGN. IF A DEBATE OCCURS RELATED TO ANY RESIGNATION REQUEST, THE SUPERVISORY COMMITTEE CAN STEP IN AND SUSPEND THE DIRECTOR AS IT SEES FIT, CALL A SPECIAL MEETING OF THE MEMBERSHIP, AND TAKE A MEMBERSHIP VOTE ON WHETHER THE DIRECTOR CAN CONTINUE OR NOT. OBVIOUSLY, IT IS IMPOSSIBLE TO DOCUMENT, THROUGH POLICY, ANY AND ALL POTENTIAL CONFLICT OF INTEREST CIRCUMSTANCES. AS SUCH, THESE MATTERS ARE HANDLED ON A CASE-BY-CASE BASIS. THERE HAVE BEEN NO INSTANCES OF DIRECTOR/VOLUNTEER CONFLICT OF INTEREST DEBATES IN, AT LEAST, THE LAST 30 YEARS. SIMILARLY, ONE NEVADA'S EMPLOYEE HANDBOOK AND MANAGEMENT PRACTICES GUIDE CONTAIN LANGUAGE THAT ADDRESSES EMPLOYEE CONFLICTS OF INTEREST. THE POLICIES ARE CLEAR THAT ALL EMPLOYEES CANNOT HAVE ANY CONFLICT OF INTEREST, AND ARE SUBJECT TO TERMINATION IF CONFLICTS ARE DISCOVERED AND NOT CURED. THERE HAS BEEN ONE INSTANCE OF EMPLOYEE CONFLICT OF INTEREST IN THE PAST TEN YEARS WHEREIN THAT EMPLOYEE WAS WORKING AS A REALTOR AS A SIDE BUSINESS IN DIRECT CONFLICT WITH ONCU'S ONE NEVADA REALTY SUBSIDIARY. THAT EMPLOYEE WAS GIVEN THE OPPORTUNITY AND REASONABLE TIMEFRAME TO CEASE THEIR REALTY ACTIVITIES. UPON REFUSAL, THE EMPLOYEE'S EMPLOYMENT WAS TERMINATED. FORM 990, PART VI, SECTION B, LINE 15 THE BOARD APPOINTED COMPENSATION COMMITTEE MEETS ANNUALLY TO REVIEW AND RECOMMEND TO THE BOARD OF DIRECTORS BOTH THE ANNUAL INCENTIVE BONUS PROGRAM AND OVERALL COMPENSATION PLAN FOR THE PRESIDENT/CEO. THE PROCESS INCLUDES A REVIEW OF COMPETITIVE CEO SALARY SURVEY DATA FROM THE CARDWELL AND ASSOCIATES TOP 200 CREDIT UNIONS CEO TOTAL COMPENSATION SURVEY AND OTHER INDUSTRY PUBLICATIONS AS APPROPRIATE, SUCH AS THE KGA EXECUTIVE SALARY SURVEY REVIEW/CHIEF EXECUTIVE OFFICE. ANNUALLY, THE BOARD CONDUCTS A PERFORMANCE REVIEW WITH THE PRESIDENT/CEO TO REVIEW HIS OVERALL PERFORMANCE AND GOAL ATTAINMENT, ESTABLISH FUTURE PERFORMANCE GOALS AND DETERMINE THE PRESIDENT/CEO'S ANNUAL COMPENSATION. THE DECISIONS ARE DOCUMENTED WITHIN THE EXECUTIVE SESSION OF THE BOARD MEETING. FOR OTHER OFFICERS AND KEY EMPLOYEES A SIMILAR PROCESS AS NOTED ABOVE, IN TERMS OF UNTILIZATION OF THIRD PARTY RESOURCE DATA. FORM 990, PART VI, SECTION C, LINE 19 THE GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST. FORM 990, PART IX, LINE 11G ARMORED CAR SERVICES 505,046. COURIER SERVICE 75,319. PAYROLL SERVICES 25,854. SECURITY 409,159. OTHER 43,917. FORM 990, PART IX, LINE 24E OPERATIONS EXPENSES 1,881,483. EQUIPMENT MAINTENANCE 1,794,349. MOBILE AND HOME BANKING MAINTENANCE 668,950. ATM PROCESSING 421,469. ONE NEVADA REALTY SERVICES LLC 2645 S MOJAVE RD LAS VEGAS NV 89121 620199796 REAL ESTATE BROKERAGE NV 818821 70895 ONE NEVADA CREDIT UNION ONE NEVADA INSURANCE SERVICES LLC 2645 S MOJAVE RD LAS VEGAS NV 89121 611513740 AUTO & HOMEOWNER INSURANCE NV 919276 409146 ONE NEVADA CREDIT UNION