BOULDER DAM CREDIT UNION

EIN: 880059939

BOULDER CITY, NV

Total Revenue
$38,822,882
Total Expenses
$28,934,079
Total Assets
$829,187,256
Net Assets
$98,560,534
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
1940
Legal Domicile
NV
Principal Officer
STEELE HENDRIX
Phone
7022937777
Tax Period
2024-01-01 to 2024-12-31

BOULDER DAM CREDIT UNION, founded in 1940, is a mid-sized nonprofit that reported $38.8M in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $9.9M, a strong 25% operating margin.

Mission

OUR MISSION IS TO MEET THE FINANCIAL NEEDS OF OUR MEMBERS BY PROVIDING EXCEPTIONAL SERVICE, INSTITUTIONAL INTEGRITY AND FINANCIAL STABILITY. WE ARE COMMITTED TO DELIVERING COMPETITIVE PRODUCTS, INNOVATIVE SERVICES AND TIMELY EDUCATION WHILE OFFERING OUR EMPLOYEES A PROFESSIONAL, CHALLENGING AND REWARDING CAREER.

Program Service Accomplishments

Program 1

ONE OF BOULDER DAM CREDIT UNION'S (THE CREDIT UNION) TWO PRIMARY PURPOSES IS TO PROVIDE CREDIT TO ITS MEMBERS AT A COMPETITIVE RATE. THE CREDIT UNION PROVIDES REAL ESTATE, AUTO, BOAT, RV, AND...

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ONE OF BOULDER DAM CREDIT UNION'S (THE CREDIT UNION) TWO PRIMARY PURPOSES IS TO PROVIDE CREDIT TO ITS MEMBERS AT A COMPETITIVE RATE. THE CREDIT UNION PROVIDES REAL ESTATE, AUTO, BOAT, RV, AND SIGNATURE AND VISA LOANS TO ELIGIBLE MEMBERS. AS OF 12/31/2024, THE CREDIT UNION HAD 3,430 LOANS WITH A TOTAL BALANCE OF APPROXIMATELY $316.6 MILLION AND 2,211 VISA CARDS WITH A BALANCE OF APPROXIMATELY $1.92 MILLION.

Program 2

THE SECOND MAIN SERVICE THAT BOULDER DAM CREDIT UNION (THE CREDIT UNION) OFFERS IS DEPOSIT SERVICES TO ELIGIBLE MEMBERS. THE CREDIT UNION OFFERS SAVINGS ACCOUNTS, CHECKING ACCOUNTS, AND INDIVIDUAL...

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THE SECOND MAIN SERVICE THAT BOULDER DAM CREDIT UNION (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 MEMBERS 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 12/31/2024, THE CREDIT UNION HAD 20,103 MEMBERS TOTALING $729,259,899 IN SHARE DEPOSITS.

Program 3

AN ANCILLARY PRODUCT OFFERED BY BOULDER DAM CREDIT UNION (THE CREDIT UNION) IS THE ELECTRONIC DELIVERY OF SERVICES. THE CREDIT UNION OFFERS DEBIT CARDS, VISA CREDIT CARDS, ATM ACCESS, MOBILE APP...

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AN ANCILLARY PRODUCT OFFERED BY BOULDER DAM CREDIT UNION (THE CREDIT UNION) IS THE ELECTRONIC DELIVERY OF SERVICES. THE CREDIT UNION OFFERS DEBIT CARDS, VISA CREDIT CARDS, ATM ACCESS, MOBILE APP ACCESS, ZELLE, 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.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

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Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $17,362,881
Investment Income $21,445,714
Other Revenue $14,287
TOTAL REVENUE $38,822,882

Expense Breakdown

Grants Paid $0
Salaries & Benefits $6,123,708
Fundraising Expenses $0
Other Expenses $22,810,371
TOTAL EXPENSES $28,934,079

Year-over-Year Comparison

2024 2023 Change
Revenue $38,822,882 $35,773,093 +0.1%
Expenses $28,934,079 $28,826,427 +0.0%
Net Income $9,888,803 $6,946,666 +0.4%
Key Indicators
Grants to Organizations Grants to Individuals Lobbying Political Activity Foreign Activities Donor Advised Fund Schedule B Required
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Governance

Voting Members
7
Independent Members
7
Employees
53
Volunteers
11

Governance Policies

Conflict of Interest Policy
Whistleblower Policy
Document Retention Policy

Special Practices & Reported Activities

Operated a School
Operated a Hospital
Provided First Class Travel
Reported Conflict of Interest
Reported Asset Diversion
Excess Benefit Transaction
Made Political Expenditures
Engaged in Lobbying
Operated Donor Advised Fund
Maintained Art Collections
Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers
6
$673,009
Total Directors
7
$0
Key Employees
1
$225,236
Highest Compensated
5
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
CYNDY ANDERSON DIRECTOR 2.00
Director
$0 $0 $0
FRANK DISANZA TREASURER 2.00
Officer Director
$0 $0 $0
CHARMAINE FERRARI SECRETARY 2.00
Officer Director
$0 $0 $0
ROBERT MERRELL VICE CHAIR 2.00
Officer Director
$0 $0 $0
TINA MULLIS DIRECTOR 2.00
Director
$0 $0 $0
TERRY STEVENS DIRECTOR 2.00
Director
$0 $0 $0
DOUG SCHEPPMAN CHAIR 2.00
Officer Director
$0 $0 $0
STEELE HENDRIX PRESIDENT / CEO 40.00
Officer
$342,043 $114,656 $456,699
JARON SINGLETON VICE-PRESIDENT / CFO 40.00
Officer
$156,329 $59,981 $216,310
KYLE JOHNSON VICE-PRESIDENT / RISK MANAGEMENT 40.00
Key Emp
$156,143 $69,093 $225,236
MARY BETH CLIFT MEMBER SERVICES COORDINATOR 40.00
Highest
$170,883 $48,268 $219,151
TERI SIMMONS ASSISTANT OPERATIONS COORDINATOR 40.00
Highest
$127,513 $43,679 $171,192
BARBARA BENNETT LOAN COORDINATOR 40.00
Highest
$139,414 $50,837 $190,251
NANCY WARD FORMER ACCOUNT ADMINISTRATOR 40.00
Highest
$139,035 $12,891 $151,926
KIM DENNETT ASSISTANT LOAN COORDINATOR 40.00
Highest
$115,989 $42,179 $158,168
Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year Revenue Expenses Assets Net Income
2024 $38,822,882 $28,934,079 $829,187,256 $9,888,803
2023 $35,773,093 $28,826,427 $808,419,660 $6,946,666
2022 $23,391,791 $15,254,077 $835,531,285 $8,137,714
2021 $17,427,262 $13,796,078 $864,129,621 $3,631,184
2020 $21,917,362 $18,651,428 $772,081,335 $3,265,934
2019 $24,979,127 $18,591,486 $652,906,191 $6,387,641
2018 $22,713,811 $16,282,347 $628,904,759 $6,431,464
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