ONE NEVADA CREDIT UNION (EIN 880063564) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1950

Legal Domicile

Principal Officer

PAUL PARRISH

Phone

7029485392

Tax Period

2023-01-01 to 2023-12-31

ONE NEVADA CREDIT UNION, founded in 1950, is a mid-sized nonprofit that reported $87.9M in total revenue in fiscal year 2023. Revenue surged 38% from the prior year, signaling strong growth momentum. The organization ran a surplus of $24.9M, a strong 28% operating margin.

Mission

TRUSTED PROVIDER OF SUPERIOR FINANCIAL SERVICES TO OUR MEMBER-OWNERS.

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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%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $54,524,217

Investment Income $33,358,878

Other Revenue $0

TOTAL REVENUE $87,883,095

Expense Breakdown

Grants Paid $0

Salaries & Benefits $20,908,491

Fundraising Expenses $0

Other Expenses $34,008,032

TOTAL EXPENSES $62,969,117

Year-over-Year Comparison

	2023	2022	Change
Revenue	$87,883,095	$63,909,343	+0.4%
Expenses	$62,969,117	$51,640,137	+0.2%
Net Income	$24,913,978	$12,269,206	+1.0%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

228

Volunteers

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

$1,918,651

Total Directors

Key Employees

$1,159,690

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAUL PARRISH	PRESIDENT/CEO	40.00	Officer	$1,067,667	$48,413	$1,116,080
TOM ERNSPERGER	EVP/CLO	40.00	Officer	$366,346	$36,821	$403,167
STEVE O'DONNELL	EVP/CFO	40.00	Officer	$365,911	$33,493	$399,404
MICHAEL TRAFICANTI	SVP HR AND FACILITIES	40.00	Key Emp	$339,855	$36,488	$376,343
CHRIS WIBLE	VP INVESTMENTS	40.00	Highest	$205,186	$29,445	$234,631
ROGER WHITE	REAL ESTATE LOAN OFFICER	40.00	Highest	$204,395	$17,368	$221,763
TRUDY MCCLAIN	SVP RETAIL OPERATIONS	40.00	Key Emp	$192,907	$23,115	$216,022
JESSE SHEARIN	SVP INFORMATION TECHNOLOGY	40.00	Key Emp	$185,359	$27,857	$213,216
ALAN CHANG	PRESIDENT ONCU INSURANCE SRVS	40.00	Highest	$198,425	$13,331	$211,756
TRACY RYAN	SVP RISK MANAGEMENT	40.00	Key Emp	$169,931	$14,561	$184,492
MARK SULTAN	MEMBER INVESTMENTS REPRESENTATIVE	40.00	Highest	$156,354	$15,602	$171,956
ELDON TILLEY	SVP MARKETING	40.00	Key Emp	$155,247	$14,370	$169,617
ANTHONY HUMPHRY	VP REAL ESTATE LENDING	40.00	Highest	$143,565	$22,944	$166,509
WILLIAM FLAXA	CHAIR	1.00	Officer Director	$0	$0	$0
BRADLEY BEAL	VICE CHAIR	1.00	Officer Director	$0	$0	$0
VINCENT ECKELKAMP	SECRETARY/TREASURER	1.00	Officer Director	$0	$0	$0
DENNIS SHIPLEY	DIRECTOR	1.00	Director	$0	$0	$0
JILL TAYLOR	DIRECTOR	1.00	Director	$0	$0	$0
MARK FERRARIO	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL LANTZ	DIRECTOR	1.00	Director	$0	$0	$0

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	No data	No data	No data	No data
2023	$87,883,095	$62,969,117	$1,341,905,053	$24,913,978
2022	$63,909,343	$51,640,137	$1,340,404,197	$12,269,206
2021	$53,904,058	$48,714,467	$1,333,432,650	$5,189,591
2020	$54,956,740	$50,046,807	$1,164,120,004	$4,909,933
2019	$64,811,265	$49,548,480	$953,378,012	$15,262,785
2018	$62,103,691	$48,666,908	$915,280,080	$13,436,783

ONE NEVADA CREDIT UNION