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Credit Unions Chartered In The State Of Utah

Nebo

Organization summary

Type of Nonprofit

Designated as a State-chartered credit unions and mutual reserve funds.

Donations to this organization are not tax deductible.

Summary charts: organization finances over time

Revenue
$8.56M (2024)

Expenses
$7.85M (2024)

Total Assets
$140M (2024)

Total Liabilities
$117M (2024)

Source: Form 990 tax filings from 2011 to 2024

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2024

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$8,559,755
Expenses
$7,854,631
Net Income
$705,124
Net Assets
$22,441,813
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $8,143,145
95.1%
Investment Income $416,610
4.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $2,124,366
27.0%
Assets/Debt
Total Assets $139,744,634
Total Liabilities $117,302,821
Net Assets $22,441,813
Compensation
Key Employees and Officers Compensation Related Other
David Rowley (Board Vice Chairperson) $0 $0 $0
Brian Smith (Board Chairperson) $0 $0 $0
Frances Larsen (Board Vice Chairperson) $0 $0 $0
Jay Cornaby (Supervisory Committee) $0 $0 $0
Gloria Nance (Supervisory Committee Chair) $0 $0 $0
David Huff (Supervisory Committee) $0 $0 $0
Mark Christensen (Board Chairperson) $0 $0 $0
Julie Warren (Board Member Secretary) $0 $0 $0
Steve Maughan (Supervisory Committee) $0 $0 $0
Jeannette Maughan (Supervisory Committee) $0 $0 $0
Mary Jo Evans (Supervisory Committee) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,924,663
Expenses
$7,143,632
Net Income
$781,031
Net Assets
$20,893,581
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,557,022
95.4%
Investment Income $367,641
4.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $2,060,478
28.8%
Assets/Debt
Total Assets $139,511,848
Total Liabilities $118,618,267
Net Assets $20,893,581
Compensation
Key Employees and Officers Compensation Related Other
David Rowley (Board Member) $0 $0 $0
Brian Smith (Board Chairperson) $0 $0 $0
Frances Larsen (Board Vice Chairperson) $0 $0 $0
Jay Cornaby (Supervisory Committee) $0 $0 $0
Gloria Nance (Supervisory Committee Chair) $0 $0 $0
David Huff (Supervisory Committee) $0 $0 $0
Mark Christensen (Board Member) $0 $0 $0
Julie Warren (Board Member) $0 $0 $0
Steve Maughan (Supervisory Committee) $0 $0 $0
Jeannette Maughan (Supervisory Committee) $0 $0 $0
Mary Jo Evans (Supervisory Committee) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$6,896,122
Expenses
$5,527,650
Net Income
$1,368,472
Net Assets
$22,098,098
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $6,579,247
95.4%
Investment Income $316,931
4.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$56
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $1,902,023
34.4%
Assets/Debt
Total Assets $136,676,352
Total Liabilities $114,578,254
Net Assets $22,098,098
Compensation
Key Employees and Officers Compensation Related Other
David Rowley (Board Member) $0 $0 $0
Brian Smith (Board Chairperson) $0 $0 $0
Frances Larsen (Board Vice Chairperson) $0 $0 $0
Jay Cornaby (Supervisory Committee) $0 $0 $0
Gloria Nance (Supervisory Committee Chair) $0 $0 $0
David Huff (Supervisory Committee) $0 $0 $0
Mark Christensen (Board Member) $0 $0 $0
Julie Warren (Board Member) $0 $0 $0
Steve Maughan (Supervisory Committee) $0 $0 $0
Jeannette Maughan (Supervisory Committee) $0 $0 $0
Mary Jo Evans (Supervisory Committee) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$6,582,298
Expenses
$5,124,575
Net Income
$1,457,723
Net Assets
$20,729,626
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $6,328,897
96.2%
Investment Income $252,635
3.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $766
0.0%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $1,756,209
34.3%
Assets/Debt
Total Assets $131,592,794
Total Liabilities $110,863,168
Net Assets $20,729,626
Compensation
Key Employees and Officers Compensation Related Other
David Rowley (Board Member) $0 $0 $0
Brian Smith (Board Chairperson) $0 $0 $0
Frances Larsen (Board Vice Chairperson) $0 $0 $0
Jay Cornaby (Supervisory Committee) $0 $0 $0
Gloria Nance (Supervisory Committee Chair) $0 $0 $0
David Huff (Supervisory Committee) $0 $0 $0
Mark Christensen (Board Member) $0 $0 $0
Julie Warren (Board Member) $0 $0 $0
Steve Maughan (Supervisory Committee) $0 $0 $0
Jeannette Maughan (Supervisory Committee) $0 $0 $0
Mary Jo Evans (Supervisory Committee) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$6,284,294
Expenses
$4,862,313
Net Income
$1,421,981
Net Assets
$19,586,520
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,998,469
95.5%
Investment Income $285,817
4.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $8
0.0%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $1,616,735
33.3%
Assets/Debt
Total Assets $119,431,374
Total Liabilities $99,844,854
Net Assets $19,586,520
Compensation
Key Employees and Officers Compensation Related Other
David Rowley (Board Member) $0 $0 $0
Brian Smith (Board Chairperson) $0 $0 $0
Frances Larsen (Board Vice Chairperson) $0 $0 $0
Jay Cornaby (Supervisory Committee) $0 $0 $0
Gloria Nance (Supervisory Committee Chair) $0 $0 $0
David Huff (Supervisory Committee) $0 $0 $0
Mark Christensen (Board Member) $0 $0 $0
Julie Warren (Board Member) $0 $0 $0
Steve Maughan (Supervisory Committee) $0 $0 $0
Jeannette Maughan (Supervisory Committee) $0 $0 $0
Mary Jo Evans (Supervisory Committee) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$6,305,864
Expenses
$4,787,746
Net Income
$1,518,118
Net Assets
$18,164,547
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,609,751
89.0%
Investment Income $283,464
4.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $8,010
0.1%
Net Fundraising $0
Sales of Assets $404,639
6.4%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $1,529,782
32.0%
Assets/Debt
Total Assets $102,410,686
Total Liabilities $84,246,139
Net Assets $18,164,547
Compensation
Key Employees and Officers Compensation Related Other
David Rowley (Board Member) $0 $0 $0
Brian Smith (Board Chairperson) $0 $0 $0
Frances Larsen (Board Vice Chairperson) $0 $0 $0
Rita James (Supervisory Committee Chair) $0 $0 $0
Jay Cornaby (Supervisory Committee) $0 $0 $0
Gloria Nance (Supervisory Committee) $0 $0 $0
Julie Warren (Board Member) $0 $0 $0
Richard Huff (Supervisory Committee) $0 $0 $0
Mark Christensen (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,546,306
Expenses
$4,113,609
Net Income
$1,432,697
Net Assets
$16,646,429
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,321,659
95.9%
Investment Income $205,470
3.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $19,177
0.3%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $1,313,867
31.9%
Assets/Debt
Total Assets $93,148,849
Total Liabilities $76,502,420
Net Assets $16,646,429
Compensation
Key Employees and Officers Compensation Related Other
David Rowley (Board Member) $0 $0 $0
Brian Smith (Board Chairperson) $0 $0 $0
Frances Larsen (Board Vice Chairperson) $0 $0 $0
Gayle Ware (Board Member) $0 $0 $0
Rick Nielsen (Secretary) $0 $0 $0
Rita James (Supervisory Committee Chair) $0 $0 $0
Jay Cornaby (Supervisory Committee) $0 $0 $0
Gloria Nance (Supervisory Committee) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,132,673
Expenses
$4,040,271
Net Income
$1,092,402
Net Assets
$15,213,732
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,931,664
96.1%
Investment Income $182,391
3.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $18,618
0.4%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $1,278,870
31.7%
Assets/Debt
Total Assets $86,572,876
Total Liabilities $71,359,144
Net Assets $15,213,732
Compensation
Key Employees and Officers Compensation Related Other
David Rowley (Board Member) $0 $0 $0
Brian Smith (Board Chairperson) $0 $0 $0
Frances Larsen (Board Vice Chairperson) $0 $0 $0
Gayle Ware (Board Member) $0 $0 $0
Rick Nielsen (Secretary) $0 $0 $0
Rita James (Supervisory Committee Chair) $0 $0 $0
Jay Cornaby (Supervisory Committee) $0 $0 $0
Gloria Nance (Supervisory Committee) $0 $0 $0
Don Applegate (Supervisory Committee) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,949,293
Expenses
$3,846,365
Net Income
$1,102,928
Net Assets
$14,121,330
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,784,970
96.7%
Investment Income $146,247
3.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $18,076
0.4%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $1,263,126
32.8%
Assets/Debt
Total Assets $80,479,092
Total Liabilities $66,357,762
Net Assets $14,121,330
Compensation
Key Employees and Officers Compensation Related Other
David Rowley (Chairperson) $0 $0 $0
Brian Smith (Vice Chairperson) $0 $0 $0
Frances Larsen (Secretary) $0 $0 $0
Gayle Ware (Board Member) $0 $0 $0
Rick Nielsen (Board Member) $0 $0 $0
Rita James (Supervisory Committee Chair) $0 $0 $0
Jay Cornaby (Supervisory Committee) $0 $0 $0
Gloria Nance (Supervisory Committee) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,567,774
Expenses
$3,276,103
Net Income
$1,291,671
Net Assets
$13,018,402
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,392,531
96.2%
Investment Income $157,693
3.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $17,550
0.4%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $1,136,335
34.7%
Assets/Debt
Total Assets $75,438,374
Total Liabilities $62,419,972
Net Assets $13,018,402
Compensation
Key Employees and Officers Compensation Related Other
Gayle Ware (Board Member) $0 $0 $0
Brian Smith (Vice Chairperson) $0 $0 $0
David Rowley (Chairperson) $0 $0 $0
Frances Larsen (Secretary) $0 $0 $0
Rick Nielsen (Board Member) $0 $0 $0
Mary Jo Evans (Supervisory Committee Chair) $0 $0 $0
Jay Cornaby (Supervisory Committee) $0 $0 $0
Rita James (Supervisory Committee) $0 $0 $0
James Griffin (Supervisory Committee) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,365,796
Expenses
$3,043,226
Net Income
$1,322,570
Net Assets
$11,726,731
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,174,107
95.6%
Investment Income $169,275
3.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $22,414
0.5%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $1,055,912
34.7%
Assets/Debt
Total Assets $68,749,955
Total Liabilities $57,023,224
Net Assets $11,726,731
Compensation
Key Employees and Officers Compensation Related Other
Gayle Ware (Chairman) $0 $0 $0
Brian Smith (Vice Chairperson) $0 $0 $0
David Rowley (Secretary) $0 $0 $0
Ben Call (Board Member) $0 $0 $0
Rick Nielsen (Board Member) $0 $0 $0
Mary Jo Evans (Supervisory Committee Chair) $0 $0 $0
Jay Cornaby (Supervisory Committee) $0 $0 $0
Rita James (Supervisory Committee) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,338,308
Expenses
$3,169,824
Net Income
$1,168,484
Net Assets
$10,404,161
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,177,270
96.3%
Investment Income $151,644
3.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $9,394
0.2%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $1,022,277
32.3%
Assets/Debt
Total Assets $66,781,187
Total Liabilities $56,377,026
Net Assets $10,404,161
Compensation
Key Employees and Officers Compensation Related Other
Gayle Ware (Chairman) $0 $0 $0
Ben Call (Board Member) $0 $0 $0
Brian Smith (Secretary) $0 $0 $0
David Rowley (Vice Chairman) $0 $0 $0
Rick Nielsen (Board Member) $0 $0 $0
Mary Jo Evans (Supervisory Committee Chair) $0 $0 $0
Jay Cornaby (Supervisory Committee) $0 $0 $0
Rita James (Supervisory Committee) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,448,111
Expenses
$3,099,278
Net Income
$1,348,833
Net Assets
$9,235,677
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,270,607
96.0%
Investment Income $169,711
3.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $7,793
0.2%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $980,034
31.6%
Assets/Debt
Total Assets $65,185,552
Total Liabilities $55,949,875
Net Assets $9,235,677

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,359,380
Expenses
$3,763,417
Net Income
$595,963
Net Assets
$7,886,844
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,212,966
96.6%
Investment Income $146,414
3.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $1,031,472
27.4%
Assets/Debt
Total Assets $61,899,950
Total Liabilities $54,013,106
Net Assets $7,886,844

Document Links

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2007

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2006

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2005

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2004

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

About This Data

What Is This Data?

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
  • Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

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