2026-05-07T13:02:14-05:00 2025-12-31 410746749 CLIFTONLARSONALLEN LLP 109 N MAIN STREET SUITE 200 AUSTIN MN 55912 990 2025-01-01 410191495 CITY & COUNTY CREDIT UNION CITY 6512252700 144 11TH ST E SAINT PAUL MN 55101 THOMAS COULTER PRESIDENT 6512252700 2026-04-28 1 TANYA MEDGAARDEN P01717240 5074347000 2026-04-28 2025 2025-03-06 01:10:19Z THOMAS COULTER 144 11TH ST E SAINT PAUL MN 55101 65239943 0 X WWW.CCCU.COM X CU 1928 MN TO PROVIDE AFFORDABLE FINANCIAL SERVICES 8 8 0 0 72554 24093 0 0 45031447 46316714 11533408 12329815 16500 16500 56581355 58663029 0 0 10986977 10797793 17178222 17847732 0 0 0 25180743 24829674 53345942 53475199 3235413 5187830 1190819726 1170239692 1103973179 1061314892 86846547 108924800 TO CONDUCT THE ORDINARY AND NECESSARY BUSINESS OF A CREDIT UNION INVOLVING THE RECEIVING OF SAVINGS OF MEMBERS AND LENDING MONEY TO MEMBERS FOR PROVIDENT PURPOSES. 0 0 THE CREDIT UNION PROVIDED LOANS OF $167 MILLION TO 11,000 MEMBERS. THE CREDIT UNION PROVIDES DEPOSIT ACCOUNTS TO 62,180 MEMBERS. THE CREDIT UNION PAID INTEREST AND DIVIDENDS OF $11M ON THESE ACCOUNTS. THE CREDIT UNION PROVIDED LOW COST CHECKING AND RELATED SERVICES TO 41,159 MEMBERS. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 17325 0 1 0 1 1 0 0 0 0 0 0 0 0 0 X 8 8 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 1 1 1 1 1 0 MN X MELISSA SETTEM 6512252700 144 11TH STREET EAST ST PAUL MN 55101 SHANNON CUNNINGHAM BOARD MEMBER 0.50 X 819 0 0 HANS MOLENAAR BOARD MEMBER 1.00 X 1974 0 0 JOE MATTHEWS BOARD MEMBER - VICE CHAIR 0.50 X X 662 0 0 HEIDI WOLF BOARD MEMBER 0.50 X 882 0 0 LOU BRUNO BOARD MEMBER- CHAIR 3.00 X X 3838 0 0 AXEL HENRY BOARD MEMBER 0.50 X 469 0 0 NICOLE BATES BOARD MEMBER 1.00 X 1262 0 0 CHAD KERLIN BOARD MEMBER 0.50 X 719 0 0 PATRICK PIERCE PRESIDENT/CEO 40.00 X 692604 0 36878 THOMAS COULTER PRESIDENT 40.00 X 498517 0 40358 ERIC MELLENTHIN VP INFORMATION TECHNOLOGY 40.00 X 318607 0 39040 DAVID OLSON DIRECTOR OF IT & SECURITY 40.00 X 273155 0 36674 MELISSA SETTEM VP ACCOUNTING & FINANCE 40.00 X 188986 0 33145 DANIELLE KONRAD-ARTHUR VP COMPLIANCE & RISK MGMT 40.00 X 186900 0 22256 BAILEY GERMAIN VP BRAND & RETAIL EXPERIEN 40.00 X 150164 0 31515 ROBIN DOWNING VP HUMAN RESOURCES 40.00 X 161731 0 19835 MIKE SHEPARD VP LENDING 40.00 X 151395 0 19264 BRANDON BURT DIRECTOR OF DIGITAL SERVICES 40.00 X 157942 0 8384 TIMOTHY TREMBLEY DIRECTOR MORTGAGE SERVICES 40.00 X 146859 0 18839 JOSEPH NEWMASTER INFRASTRUCTURE MANAGER 40.00 X 133518 0 29349 KEITH YARBROUGH CORE SYSTEMS ANALYST 40.00 X 140024 0 19649 JENNY LYNCH DIRECTOR ELECTRONIC SERVIC 40.00 X 129886 0 28181 ANNE SMITH BUSINESS SERVICES MANAGER 40.00 X 126450 0 29936 3467363 0 413303 15 0 1 0 PSCU FINANCIAL SERVICES 450 CARILLON PARKWAY ST PETERSBURG FL 33716 CARD PROCESSING 2110622 MASTERCARD INTERNATIONAL 200 PURCHASE STREET PURCHASE NY 10577 CARD PROCESSING 890642 FISERV 75 REMITTANCE DRIVE SUITE 1649 CHICAGO IL 60675 CORE PROVIDER 860820 LEIGHTON INTERACTIVE LLC DBA VYE 619 WEST ST GERMAIN STREET ST CLOUD MN 56301 ADVERTISING/MARKETING 806134 DIEBOLD NIXDORF INC PO BOX 643543 PITTSBURGH PA 15264 ATM SERVICING 357722 38 INTEREST ON LOANS 522100 37646232 37646232 OTHER FEES 524298 5618796 5586623 32173 CHECKING/ATM FEES 522100 3051686 3011305 40381 46316714 12864367 12864367 6042362 6576914 -534552 -534552 -534552 NON-INTEREST INCOME 522100 16500 16500 16500 58663029 46260660 72554 12329815 X 10797793 3077975 10509742 1374359 1819542 1066114 105293 170678 5665528 4073054 2018085 361950 2030306 1694705 56388 CREDIT LOSS EXPENSE 3142992 LOAN SERVICING EXPENSE 2477439 EDUCATIONAL AND PROMOTI 2375436 MISCELLANEOUS OPERATING 578341 79479 53475199 6975718 7057754 152911625 116929354 3277160 3198075 680023736 683542267 2620275 3068265 50226977 29985933 18524151 20241044 254920543 274803915 27988518 25644608 43578000 35754410 1190819726 1170239692 10506631 12235410 87000000 17000000 1006466548 1032079482 1103973179 1061314892 X 0 0 0 0 86846547 108924800 86846547 108924800 1190819726 1170239692 X 5187830 16020498 869925 X X 0 1 X 1 0 5428621 5428621 19888936 9633374 10255562 24909420 20352559 4556861 20241044 MEMBER SHARES 1031944109 ALLOWANCE FOR CREDIT LOSSES ON OFF-BALANCE SHEET CREDIT EXPOSURES 135373 1032079482 X 59197583 534554 534554 58663029 0 58663029 54009754 534555 534555 53475199 0 53475199 PART X, LINE 2: PART X: THE CREDIT UNION IS EXEMPT, UNDER IRC 501(C)(14), FROM FEDERAL AND STATE INCOME TAXES. THE CREDIT UNION HAS FILED TAX RETURNS IN THE PAST FOR ACTIVITIES IT HAS DEEMED TAXABLE AS UNRELATED BUSINESS INCOME. THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2025 AND 2024. THE CREDIT UNION'S 2022 AND SUBSEQUENT TAX YEARS ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES. PART XI, LINE 2D - OTHER ADJUSTMENTS: ROUNDING 2. LOSS ON SALE OF ASSETS 534,552. PART XII, LINE 2D - OTHER ADJUSTMENTS: LOSS ON SALE OF ASSETS 534,552. ROUNDING 3. X 1 1 X X X X 0 1 0 PATRICK PIERCE PRESIDENT/CEO 625261 0 15299 0 52044 0 15800 0 21078 0 729482 0 0 0 THOMAS COULTER PRESIDENT 315917 0 165913 0 16687 0 15800 0 24558 0 538875 0 0 0 ERIC MELLENTHIN VP INFORMATION TECHNOLOGY 284520 0 5085 0 29002 0 15482 0 23558 0 357647 0 0 0 DAVID OLSON DIRECTOR OF IT & SECURITY 264607 0 3977 0 4571 0 13472 0 23202 0 309829 0 0 0 MELISSA SETTEM VP ACCOUNTING & FINANCE 183042 0 3430 0 2514 0 10236 0 22909 0 222131 0 0 0 DANIELLE KONRAD-ARTHUR VP COMPLIANCE & RISK MGMT 164633 0 3241 0 19026 0 9531 0 12725 0 209156 0 0 0 BAILEY GERMAIN VP BRAND & RETAIL EXPERIEN 147452 0 2712 0 0 0 8911 0 22604 0 181679 0 0 0 ROBIN DOWNING VP HUMAN RESOURCES 156971 0 2906 0 1854 0 8484 0 11351 0 181566 0 0 0 MIKE SHEPARD VP LENDING 128384 0 780 0 22231 0 5538 0 13726 0 170659 0 0 0 BRANDON BURT DIRECTOR OF DIGITAL SERVICES 156590 0 1352 0 0 0 0 0 8384 0 166326 0 0 0 TIMOTHY TREMBLEY DIRECTOR MORTGAGE SERVICES 142067 0 2486 0 2306 0 7784 0 11055 0 165698 0 0 0 JOSEPH NEWMASTER INFRASTRUCTURE MANAGER 130852 0 2666 0 0 0 8075 0 21274 0 162867 0 0 0 KEITH YARBROUGH CORE SYSTEMS ANALYST 138182 0 1634 0 208 0 7729 0 11920 0 159673 0 0 0 JENNY LYNCH DIRECTOR ELECTRONIC SERVIC 125213 0 2416 0 2257 0 7840 0 20341 0 158067 0 0 0 ANNE SMITH BUSINESS SERVICES MANAGER 124037 0 2413 0 0 0 7745 0 22191 0 156386 0 0 0 PART I, LINE 1A SPOUSE TRAVEL PROVIDED FOR PRESIDENT PATRICK PIERCE PART I, LINE 4B PATRICK PIERCE - PARTICIPATED IN NON-QUALIFIED PLAN THOMAS COULTER - PARTICIPATED IN NON-QUALIFIED PLAN ERIC MELLENTHIN - PARTICIPATED IN NON-QUALIFIED PLAN MELISSA SETTEM - PARTICIPATED IN NON-QUALIFIED PLAN BAILEY GERMAIN - PARTICIPATED IN NON-QUALIFIED PLAN ROBIN DOWNING - PARTICIPATED IN NON-QUALIFIED PLAN DANIELLE ARTHER - PARTICIPATED IN NON-QUALIFIED PLAN FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF 62,180 MEMBER-OWNERS, EACH OF WHICH HAS EQUAL RIGHTS IN OWNERSHIP, GOVERNANCE AND VOTING RIGHTS AT THE ANNUAL MEETINGS, WITH THE EXCEPTION OF THE MEMBER-OWNERS WHO ARE ELECTED TO THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION A, LINE 7A THE MEMBER-OWNERS OF THE CREDIT UNION HAVE THE AUTHORITY TO ELECT THE MEMBERS OF THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE FOR THREE-YEAR TERMS ON A ROTATING BASIS. CANDIDATES ARE ELECTED BY A SIMPLE PLURALITY VOTE. FORM 990, PART VI, SECTION A, LINE 7B ANY CHANGES TO THE ENTITY'S BYLAWS NEED TO BE APPROVED BY THE MEMBERSHIP. FORM 990, PART VI, SECTION B, LINE 11B INFORMATION IS REVIEWED BY VP ACCOUNTING & FINANCE AS WELL AS THE PRESIDENT PRIOR TO SIGNING. FORM 990, PART VI, SECTION B, LINE 12C THERE IS A STATEMENT ON EVERY BOARD MEETING AGENDA REQUIRING BOARD MEMBERS TO DISCLOSE ANY CONFLICT OF INTEREST REGARDING THAT MONTH'S AGENDA ITEMS. BOARD MEMBERS WITH A CONFLICT WILL RECUSE THEMSELVES FROM VOTING ON OR PARTICIPATING IN THE DISCUSSION OF ITEMS IN QUESTION. FORM 990, PART VI, SECTION B, LINE 15 SALARY RANGES FOR EVERY POSITION ARE REVIEWED AND APPROVED BY THE BOARD EACH YEAR IN THE ANNUAL BUDGET. CCCU USES A THIRD PARTY, BALANCED COMP, TO ASSIST MANAGEMENT IN MONITORING INDUSTRY TRENDS AND RECOMMENDS CHANGES AS NEEDED. THE PROCESS DESCRIBED HERE WAS LAST COMPLETED IN 2025. FORM 990, PART VI, SECTION C, LINE 19 THE FINANCIAL STATEMENTS ARE POSTED AT EACH LOCATION MONTHLY. FORM 990, PART IX, LINE 11G OTHER PROFESSIONAL AND OUTSIDE SERVICES 1,886,116. CORE EXPENSES 702,222. IT 343,738. CARD PROCESSING 2,733,452. FORM 990, PART XI, LINE 9: OTHER COMPREHENSIVE INCOME 869,925. FORM 990, PART XII, LINE 2C AUDIT OVERSIGHT - THE SUPERVISORY COMMITTEE OVERSEES THE AUDIT AND THE SELECTION OF AN INDEPENDENT ACCOUNTANT.