2026-09-21T10:15:00-05:00 2025-12-31 410746749 CLIFTONLARSONALLEN LLP 2875 MICHELLE DRIVE 300 IRVINE CA 92606 990 2025-01-01 880063564 ONE NEVADA CREDIT UNION ONEN 7029485392 2645 S MOJAVE ROAD LAS VEGAS NV 89121 STEPHEN O'DONNELL PRESIDENT/CEO 7029485392 2026-09-17 1 LISA N RYSSEL CPA P00643670 7147955370 2026-09-17 2025 STEPHEN O'DONNELL 2645 S MOJAVE ROAD LAS VEGAS NV 89121 95915120 0 X WWW.ONENEVADA.ORG X 1950 NV TRUSTED PROVIDER OF SUPERIOR FINANCIAL SERVICES TO OUR MEMBER-OWNERS. 7 6 216 12 271984 0 0 0 61184208 62541861 41330941 33273259 0 0 102515149 95815120 0 0 11632759 12573761 22902713 23520800 0 0 0 35664394 37273959 70199866 73368520 32315283 22446600 1413827291 1488865715 1212770712 1255370215 201056579 233495500 TRUSTED PROVIDER OF SUPERIOR FINANCIAL SERVICES TO OUR MEMBER-OWNERS. 0 0 PROVIDE FINANCIAL SERVICES TO MEMBER-OWNERS. 0 0 0 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 13698 0 1 216 1 1 1 0 0 0 0 0 1 0 X 7 6 0 0 0 0 1 1 0 1 0 0 1 1 0 1 1 1 1 1 1 1 0 X STEPHEN O'DONNELL 7029485392 2645 S MOJAVE ROAD LAS VEGAS NV 89121 PAUL PARRISH PRESIDENT/CEO & DIRECTOR (END 08/25) 40.00 X 1392717 0 13502 STEVE O'DONNELL PRESIDENT/CEO (START 9/25) 40.00 X 485712 0 10589 TOM ERNSPERGER EVP/COO 40.00 X 418029 0 15306 MICHAEL TRAFICANTI SVP HR AND FACILITIES 40.00 X 388176 0 16174 CHRIS WIBLE VP INVESTMENTS 40.00 X 239224 0 12355 JESSE SHEARIN SVP INFORMATION TECHNOLOGY 40.00 X 237048 0 9787 TRUDY MCCLAIN SVP RETAIL OPERATIONS 40.00 X 228612 0 8862 ALAN CHANG PRESIDENT ONCU INSURANCE SRVS 40.00 X 220888 0 7474 ELDON TILLEY SVP MARKETING 40.00 X 208420 0 12171 JULIANNA HOLMES SVP/CFO 40.00 X 199421 0 9451 TRACY RYAN SVP RISK MANAGEMENT 40.00 X 200092 0 8676 ANTHONY HUMPHREY VP REAL ESTATE LENDING 40.00 X 181036 0 13189 CINDY VELA VP DIGITAL SERVICES & DEVELOPMENT 40.00 X 176965 0 10195 MOHAMMAD NEMATI SVP LENDING 40.00 X 175578 0 9940 ANTHONY TUASON REAL ESTATE LOAN OFFICER 40.00 X 162734 0 9314 JEREMIAS ESCOTO NETWORK OPERATIONS DIRECTOR 40.00 X 156081 0 9369 ROBERT KRAUS VP BUSINESS LENDING 40.00 X 145701 0 12363 SIMON YU LEAD SOFTWARE ENGINEER 40.00 X 142533 0 7641 CODY GOULDING VP FINANCIAL OPERATION 40.00 X 143652 0 3893 MARK FERRARIO CHAIR 1.00 X X 0 0 0 MICHAEL LANTZ VICE CHAIR 1.00 X X 0 0 0 JILL TAYLOR SECRETARY/TREASURER 1.00 X X 0 0 0 BRADLEY BEAL DIRECTOR 1.00 X 0 0 0 VINCENT ECKELKAMP DIRECTOR 1.00 X 0 0 0 WILLIAM FLAXA DIRECTOR 1.00 X 0 0 0 5502619 0 200251 21 0 1 0 FIS PO BOX 4535 CAROL STREAM IL 60197 DEBIT/ATM PROCESSOR 3360463 ON TARGET MEDIA 621 DU FORT AVE HENDERSON NV 89002 MARKETING/MEDIA 2229496 VELERA 560 CARILLON PKWY ST PETERSBURG FL 33716 CREDIT CARD PROCESSOR 1481688 DIEBOLD PO BOX 742233 LOS ANGELES CA 90074 TRANSACTION PROCESSOR 1468801 Q2 SOFTWARE PO BOX 205970 DALLAS TX 75320 DIGITAL BANKING PLATFORM 1003997 42 LOAN INTEREST 522100 39418816 39418816 FEE INCOME 522100 23123045 22851061 271984 62541861 33349957 33349957 23302 100000 0 -100000 23302 -76698 -76698 95815120 62269877 271984 33273259 12573761 4909589 13397605 1030932 2874342 1308332 474626 120000 48000 759128 4356213 629990 1438882 3123216 406500 23 4893596 186522 PROVISION FOR LOAN LOSS 7777282 VISA CARD PROCESSING 4048922 LOAN SERVICING EXPENSE 2524507 EQUIPMENT MAINTENANCE 1646845 4839707 73368520 14624811 16611205 383079614 412029967 1937596 2112475 604250671 606998956 6319434 4839871 23048970 17056900 5972110 5992070 143731930 208981479 233122577 209445908 20788548 21853784 1413827291 1488865715 11342273 8864829 1164935 1183014 1200263504 1245322372 1212770712 1255370215 X 0 0 0 0 201056579 233495500 201056579 233495500 1413827291 1488865715 22446600 9992321 0 X 0 0 0 1399762 1399762 8929272 5990439 2938833 4421180 3701481 719699 8298756 7364980 933776 5992070 ALLOYA CORPORATE 24167 F CORPORATE CENTRALS 837293 F FED AGENCY SECURITIES 206300999 F MORTGAGE SERVICING RIGHTS 546000 F SERVICE ORGANIZATIONS 1737449 F 209445908 MEMBERS' SHARES AND SAVINGS ACCOUNTS 1237737213 OTHER LIABILITIES 7585159 1245322372 X 1 1 X X X X 0 1 0 PAUL PARRISH PRESIDENT/CEO & DIRECTOR (END 08/25) 643871 0 307390 0 441456 0 11702 0 1800 0 1406219 0 31565 0 STEVE O'DONNELL PRESIDENT/CEO (START 9/25) 363351 0 64381 0 57980 0 9654 0 935 0 496301 0 49422 0 TOM ERNSPERGER EVP/COO 294959 0 66809 0 56261 0 11661 0 3645 0 433335 0 56261 0 MICHAEL TRAFICANTI SVP HR AND FACILITIES 268847 0 62003 0 57326 0 11949 0 4225 0 404350 0 51268 0 CHRIS WIBLE VP INVESTMENTS 110411 0 86811 0 42002 0 8794 0 3561 0 251579 0 19714 0 JESSE SHEARIN SVP INFORMATION TECHNOLOGY 188265 0 44679 0 4104 0 7312 0 2475 0 246835 0 0 0 TRUDY MCCLAIN SVP RETAIL OPERATIONS 162808 0 37402 0 28402 0 6717 0 2145 0 237474 0 24792 0 ALAN CHANG PRESIDENT ONCU INSURANCE SRVS 126911 0 66328 0 27649 0 4999 0 2475 0 228362 0 48763 0 ELDON TILLEY SVP MARKETING 164940 0 39842 0 3638 0 9696 0 2475 0 220591 0 0 0 JULIANNA HOLMES SVP/CFO 172861 0 23177 0 3383 0 8131 0 1320 0 208872 0 0 0 TRACY RYAN SVP RISK MANAGEMENT 138414 0 33884 0 27794 0 6531 0 2145 0 208768 0 24728 0 ANTHONY HUMPHREY VP REAL ESTATE LENDING 149125 0 9925 0 21986 0 7919 0 5270 0 194225 0 21987 0 CINDY VELA VP DIGITAL SERVICES & DEVELOPMENT 150595 0 26370 0 0 0 8050 0 2145 0 187160 0 0 0 MOHAMMAD NEMATI SVP LENDING 132642 0 24260 0 18676 0 7465 0 2475 0 185518 0 15679 0 ANTHONY TUASON REAL ESTATE LOAN OFFICER 27249 0 129274 0 6211 0 7169 0 2145 0 172048 0 0 0 JEREMIAS ESCOTO NETWORK OPERATIONS DIRECTOR 141687 0 11478 0 2916 0 6894 0 2475 0 165450 0 0 0 ROBERT KRAUS VP BUSINESS LENDING 121331 0 21716 0 2654 0 6655 0 5708 0 158064 0 0 0 SIMON YU LEAD SOFTWARE ENGINEER 125307 0 14275 0 2951 0 6694 0 947 0 150174 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 2025 WERE AS FOLLOWS: PAUL PARRISH, PRESIDENT/CEO - $61,973 STEVE O'DONNELL, EVP,CFO - $39,844 TOM ERNSPERGER, EVP/CLO - $37,264 MICHAEL TRAFICANTI, SVP HR AND FACILITIES - $34,784 JESSE SHEARIN, SVP INFORMATION TECHNOLOGY - $24,237 ELDON TILLEY, SVP, MARKETING - $21,581 TRUDY MCCLAIN, SVP RETAIL OPERATIONS - $20,398 ANTHONY HUMPHREY, VP REAL ESTATE LENDING - $18,641 CHRIS WIBLE, VP INVESTMENTS - $17,689 MOHAMMED NEMATI, VP CONSUMER LENDING - $16,652 CINDY VELA, VP DIGITAL SERVICES & DEVELOPMENT - $14,161 JULIANNA HOLMES, SVP/CFO FINANCIAL OPERATIONS - $11,156 ROBERT KRAUS, VP BUSINESS LENDING - $8,326 TRACY RYAN, SVP RISK MANAGMENT - $7,971 ALAN CHANG, PRESIDENT ONCU INSURANCE SERVICES, - $7,321 DISTRIBUTIONS FROM THIS PLAN DURING 2025 WERE AS FOLLOWS: TOM ERNSPERGER, EVP/CLO - $56,261 MICHAEL TRAFICANTI, SVP HR AND FACILITIES - $51,268 STEVE O'DONNELL, EVP,CFO - $49,422 ALAN CHANG, PRESIDENT ONCU INSURANCE SERVICES, - $48,763 PAUL PARRISH, PRESIDENT/CEO - $31,565 TRUDY MCCLAIN, SVP RETAIL OPERATIONS - $24,792 TRACY RYAN, SVP RISK MANAGMENT - $24,728 ANTHONY HUMPHREY, VP REAL ESTATE LENDING - $21,987 CHRIS WIBLE, VP INVESTMENTS - $19,714 MOHAMMED NEMATI, VP CONSUMER LENDING - $15,679 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 2025. 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 1431839 583707 ONE NEVADA CREDIT UNION