2025-10-20T08:48:33-05:00 2024-12-31 410746749 CLIFTONLARSONALLEN LLP 2875 MICHELLE DRIVE 300 IRVINE CA 92606 990 2024-01-01 880063564 ONE NEVADA CREDIT UNION ONEN 7029485392 2645 S MOJAVE ROAD LAS VEGAS NV 89121 JULIANNA HOLMES SVP/CFO 7029485392 2025-10-17 1 1 LISA N RYSSEL CPA P00643670 7149781300 2025-10-17 2024 2025-03-06 01:10:19Z PAUL PARRISH 2645 S MOJAVE ROAD LAS VEGAS NV 89121 102515261 0 X WWW.ONENEVADA.ORG X 1950 NV TRUSTED PROVIDER OF SUPERIOR FINANCIAL SERVICES TO OUR MEMBER-OWNERS. 6 6 227 11 287664 368 0 0 54524217 61184208 33358878 41330941 0 0 87883095 102515149 0 0 8052594 11632759 20908491 22902713 0 0 0 34008032 35664394 62969117 70199866 24913978 32315283 1341905053 1413827291 1174073187 1212770712 167831866 201056579 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 1 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 13840 0 1 227 1 1 1 0 0 0 0 0 0 0 1 0 X 6 6 0 0 0 0 1 1 0 1 0 0 1 1 1 1 1 1 1 1 1 1 0 X JULIANNA HOLMES 7029485410 2645 S MOJAVE RD LAS VEGAS NV 89121 BRADLEY BEAL CHAIR 1.00 X X 0 0 0 VINCENT ECKELKAMP VICE CHAIR 1.00 X X 0 0 0 JILL TAYLOR SECRETARY/TREASURER 1.00 X X 0 0 0 MICHAEL LANTZ DIRECTOR 1.00 X 0 0 0 MARK FERRARIO DIRECTOR 1.00 X 0 0 0 WILLIAM FLAXA DIRECTOR 1.00 X 0 0 0 DENNIS SHIPLEY DIRECTOR (THRU 8/26/24) 1.00 X 0 0 0 PAUL PARRISH PRESIDENT/CEO 40.00 X 760432 0 13835 STEVE O'DONNELL COO 40.00 X 389531 0 9888 TOM ERNSPERGER EVP/CLO 40.00 X 395560 0 14151 MICHAEL TRAFICANTI SVP HR AND FACILITIES 40.00 X 362155 0 15473 ELDON TILLEY SVP MARKETING 40.00 X 186175 0 13245 TRUDY MCCLAIN SVP RETAIL OPERATIONS 40.00 X 203455 0 10824 TRACY RYAN SVP RISK MANAGEMENT 40.00 X 182138 0 9098 CHRIS WIBLE VP INVESTMENTS 40.00 X 258652 0 13543 JESSE SHEARIN SVP INFORMATION TECHNOLOGY 40.00 X 204117 0 11834 JULIANNA HOLMES SVP/CFO 40.00 X 161125 0 8011 MOHAMMAD NEMATI VP CONSUMER LENDING 40.00 X 162809 0 9557 CINDY VELA VP DIGITAL SERVICES & DEVELOPMENT 40.00 X 163938 0 9730 ALAN CHANG PRESIDENT ONCU INSURANCE SRVS 40.00 X 217335 0 7715 DANIEL DUFFY INVSTMENT REPRESENTIVE 40.00 X 186688 0 10559 MARIA DLOUHY AVP EFT OPERATIONS 40.00 X 150614 0 5527 JEREMIAS ESCOTO DIRECTOT OF IT NETWORK OPS 40.00 X 146907 0 9205 ROGER WHITE RE LOAN OFFICER (THRU 6/1/24) 40.00 X 132215 0 8361 ANTONY TUASON REAL ESTATE LOAN OFFICER 40.00 X 217148 0 9704 4480994 0 190260 32 0 1 0 FIS PO BOX 4535 CAROL STREAM IL 60197 DEBIT/ATM PROCESSOR 3193440 ON TARGET MEDIA 621 DU FORT AVE HENDERSON NV 89002 MARKETING/MEDIA 1806154 VELERA 560 CARILLON PKWY ST PETERSBURG FL 33716 CREDIT CARD PROCESSOR 1570388 DYNTEK SERVICES PO BOX 936232 ATLANTA GA 31193 MANAGED IT SERVICES 720971 DIEBOLD PO BOX 643543 PITTSBURG PA 15264 ATM SERVICES 716940 49 LOAN INTEREST 522100 36655856 36655856 FEE INCOME 522100 24528352 24242056 286296 61184208 33538718 1368 33537350 7792335 0 112 7792335 -112 7792223 7792223 102515149 60897912 287664 41329573 11632759 3794326 13767739 1323900 2765363 1251385 77847 120000 81500 712133 3541918 593393 1702632 3232294 353157 26 4737828 181448 PROVISION FOR LOAN LOSS 7578585 VISA CARD PROCESSING 3756698 LOAN SERVICING EXPENSE 2564994 CREDIT AND CHECK FRAUD 1405570 5024371 70199866 115162119 14624811 280422910 383079614 1862664 1937596 576623461 604250671 7133176 6319434 22902764 16930654 6566082 5972110 125771859 143731930 209126764 233122577 19236018 20788548 1341905053 1413827291 8841591 11342273 1334356 1164935 1163897240 1200263504 1174073187 1212770712 X 0 0 0 0 167831866 201056579 167831866 201056579 1341905053 1413827291 32315283 909430 0 X 0 0 0 33500 33500 33500 1 CAMPAIGN FOR BRITTNEY MILLER 9030 W SAHARA 364 LAS VEGAS NV 89117 811720889 3000 CAMPAIGN TO ELECT ROCHELLE NGUYEN PO BOX 26025 LAS VEGAS NV 89126 832881476 1500 CARRIE BUCK FOR STATE SENATE 5 PO BOX 371623 LAS VEGAS NV 89137 844339633 3000 COMMITTEE TO ELECT ALEXIS HANSEN 68 AMIGO ST SPARKS NV 89441 822563682 1000 COMMITTEE TO ELECT DALLAS HARRIS 8020 S RAINBOW BLVD STE 271 LAS VEGAS NV 89139 832730935 1500 COMMITTEE TO ELECT ERICA MOSCA 2126 CITROEN ST LAS VEGAS NV 89142 880566541 1000 COMMITTEE TO ELECT KEN GRAY 828 CHENGRASS DAYTON NV 89403 812116068 1000 COMMITTEE TO ELECT MELISSA HARDY 633 HOUSE BLEND LANE HENDERSON NV 89052 824646387 1000 COMMITTEE TO ELECT PK ONEILL 1216 SONOMA ST CARSON CITY NV 89701 845135274 1500 COMMITTEE TO ELECT SANDRA JAUREGUI 7582 LAS VEGAS BLVD SOUTH 118 LAS VEGAS NV 89123 475675506 2000 COMMITTEE TO ELECTION ELAINE MARZOLA 2420 TILDEN WAY HENDERSON NV 89074 843621010 2500 COMMMITEE TO ELECT VENICIA CONSIDINE 5029 LANCASTER DR LAS VEGAS NV 89120 843643290 1000 DIANE SANDE 4 NV PO BOX 751271 LAS VEGAS NV 89136 934573906 1000 ELECT HEIDI KASAMA 11035 LAVENDER HILL DR STE 160-456 LAS VEGAS NV 89135 843389676 2000 FRIENDS OF BRIAN HIBBETTS 8461 W FARM RD 120-287 LAS VEGAS NV 89131 880531407 1500 FRIENDS OF DR EDGEWORTH 8400 W SUNSET 300 LAS VEGAS NV 89113 933466690 2000 FRIENDS OF TOBY YUREK 815 SAN GABRIEL AVE HENDERSON NV 89002 873948107 2000 LISA COLE FOR NEVADA PO BOX 751271 LAS VEGAS NV 89136 933732257 2000 STEINBECK FOR STATE SENATE 3275 N FORT APACHE RD 150 LAS VEGAS NV 89129 933615400 3000 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 5882749 2499859 4118452 3340254 778198 9001942 7707651 1294291 5972110 ALLOYA CORPORATE 25064 F CORPORATE CENTRALS 4589366 F FED AGENCY SECURITIES 226302412 F MORTGAGE SERVICING RIGHTS 556000 F SERVICE ORGANIZATIONS 1649735 F 233122577 MEMBERS' SHARES AND SAVINGS ACCOUNTS 1193927105 OTHER LIABILITIES 6336399 1200263504 X 1 1 X X X X 0 1 0 PAUL PARRISH PRESIDENT/CEO 562292 0 177000 0 21140 0 9968 0 3867 0 774267 0 0 0 TOM ERNSPERGER EVP/CLO 270293 0 63141 0 62126 0 10311 0 3840 0 409711 0 62326 0 STEVE O'DONNELL COO 273113 0 60850 0 55568 0 7464 0 2424 0 399419 0 49570 0 MICHAEL TRAFICANTI SVP HR AND FACILITIES 246283 0 58602 0 57270 0 11148 0 4325 0 377628 0 51500 0 CHRIS WIBLE VP INVESTMENTS 103952 0 133287 0 21413 0 9440 0 4103 0 272195 0 21413 0 ANTONY TUASON REAL ESTATE LOAN OFFICER 25169 0 137237 0 54742 0 7364 0 2340 0 226852 0 0 0 ALAN CHANG PRESIDENT ONCU INSURANCE SRVS 113838 0 71035 0 32462 0 5015 0 2700 0 225050 0 32462 0 JESSE SHEARIN SVP INFORMATION TECHNOLOGY 170561 0 29452 0 4104 0 9134 0 2700 0 215951 0 0 0 TRUDY MCCLAIN SVP RETAIL OPERATIONS 137896 0 35394 0 30165 0 8484 0 2340 0 214279 0 26761 0 ELDON TILLEY SVP MARKETING 148612 0 34130 0 3433 0 8766 0 4479 0 199420 0 0 0 DANIEL DUFFY INVSTMENT REPRESENTIVE 4437 0 181770 0 481 0 8219 0 2340 0 197247 0 0 0 TRACY RYAN SVP RISK MANAGEMENT 120652 0 32079 0 29407 0 6466 0 2632 0 191236 0 26514 0 CINDY VELA VP DIGITAL SERVICES & DEVELOPMENT 138948 0 24990 0 0 0 7390 0 2340 0 173668 0 0 0 MOHAMMAD NEMATI VP CONSUMER LENDING 120592 0 23000 0 19217 0 6857 0 2700 0 172366 0 16363 0 JULIANNA HOLMES SVP/CFO 136432 0 21978 0 2715 0 6505 0 1506 0 169136 0 0 0 MARIA DLOUHY AVP EFT OPERATIONS 134793 0 15821 0 0 0 3187 0 2340 0 156141 0 0 0 JEREMIAS ESCOTO DIRECTOT OF IT NETWORK OPS 133930 0 12977 0 0 0 6505 0 2700 0 156112 0 0 0 PART I, LINE 1A THE ORGANIZATION HAS AUTHORIZED TRAVEL FOR COMPANIONS FOR BOARD MEMBERS WHICH IS PAID THROUGH THEIR 1099. 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 2024 WERE AS FOLLOWS: PAUL PARRISH, PRESIDENT/CEO - $70,858 TOM ERNSPERGER, EVP/CLO - $34,631 STEVE O'DONNELL, EVP,CFO - $33,656 MICHAEL TRAFICANTI, SVP HR AND FACILITIES - $32,334 JESSE SHEARIN, SVP INFORMATION TECHNOLOGY - $21,097 ELDON TILLEY, SVP, MARKETING - $19,882 TRUDY MCCLAIN, SVP RETAIL OPERATIONS - $18,954 CHRIS WIBLE, VP INVESTMENTS - $18,368 ANTHONY HUMPHREY, VP REAL ESTATE LENDING - $17,478 MOHAMMED NEMATI, VP CONSUMER LENDING - $15,572 CINDY VELA, VP DIGITAL SERVICES & DEVELOPMENT - $11,358 TRACY RYAN, SVP RISK MANAGMENT - $7,520 ALAN CHANG, PRESIDENT ONCU INSURANCE SERVICES, - $6,906 JULIANNA HOLMES, SVP/CFO FINANCIAL OPERATIONS - $6,659 DISTRIBUTIONS FROM THIS PLAN DURING 2024 WERE AS FOLLOWS: TOM ERNSPERGER, EVP/CLO - $62,326 MICHAEL TRAFICANTI, SVP HR AND FACILITIES - $51,500 STEVE O'DONNELL, EVP,CFO - $49,570 ALAN CHANG, PRESIDENT ONCU INSURANCE SERVICES, - $32,462 TRUDY MCCLAIN, SVP RETAIL OPERATIONS - $26,761 TRACY RYAN, SVP RISK MANAGMENT - $26,514 CHRIS WIBLE, VP INVESTMENTS - $21,413 MOHAMMED NEMATI, VP CONSUMER LENDING - $16,363 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. MEMBERS HAVE THE POWER TO ELECT OR APPOINT ONE OR MORE MEMBERS OF THE BOARD. FORM 990, PART VI, SECTION A, LINE 8B THE CREDIT UNION DOES NOT HAVE ANY COMMITTEES THAT HAVE AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS PREPARED BY THE ORGANIZATION'S PUBLIC ACCOUNTING FIRM BASED ON INFORMATION PROVIDED BY MANAGEMENT. ONCE THE DRAFT IS AVAILABLE, IT IS REVIEWED BY MANAGEMENT AND ANY CHANGES INCORPORATED INTO THE FILING. ONCE THIS DETAILED REVIEW IS COMPLETE, THE FORM 990 IS THEN FILED 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. 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. 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 OFFICER. 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 IS USED, IN TERMS OF UTILIZATION OF THIRD PARTY RESOURCE DATA. THE PROCESS DESCRIBED HERE WAS LAST COMPLETED IN 2024. FORM 990, PART VI, SECTION C, LINE 19 THE GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST. ONE NEVADA INSURANCE SERVICES LLC 2645 S MOJAVE RD LAS VEGAS NV 89121 611513740 AUTO & HOMEOWNER INSURANCE NV 1312778 557276 ONE NEVADA CREDIT UNION