CITY CREDIT UNION: Form 990, tax year 2022

View the entire original 990 at ProPublica ↗

Organization: CITY CREDIT UNION (EIN 75-0692281)
Tax period: 2022-01-01 to 2022-12-31
Filed: 2023-07-18
IRS object ID: 202341999349300744
Schema version: 2022v5.0
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule D
Schedule J
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2023-07-18T14:19:07-05:00	ReturnTs
Tax Period End	2022-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	410746749	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	CLIFTONLARSONALLEN LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	20 EAST THOMAS ROAD SUITE 2300	AddressLine1Txt
City	PHOENIX	CityNm
State Abbreviation	AZ	StateAbbreviationCd
ZIP	85012	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2022-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	750692281	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	CITY CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	CITY	BusinessNameControlTxt
Phone	2143195070	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	7474 FERGUSON ROAD	AddressLine1Txt
City	DALLAS	CityNm
State Abbreviation	TX	StateAbbreviationCd
ZIP	75228	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	SHARON MOORE	PersonNm
Person Title	PRESIDENT/CEO	PersonTitleTxt
Phone	2143195070	PhoneNum
Signature	2023-07-17	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Signing Officer SigningOfficerGrp

Person Full Name PersonFullName

Field	Value	IRS element (for citing)
Person First	SHARON	PersonFirstNm
Person Last	MOORE	PersonLastNm

Field	Value	IRS element (for citing)
SSN	999009999	SSN

Field	Value	IRS element (for citing)
IRS Responsible Prty Info Curr	0	IRSResponsiblePrtyInfoCurrInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	MELISSA HANGSLEBEN	PreparerPersonNm
PTIN	P02087031	PTIN
Phone	6022662248	PhoneNum
Preparation	2023-07-17	PreparationDt

Additional Filer Information AdditionalFilerInformation

Trusted Customer TrustedCustomerGrp

Field	Value	IRS element (for citing)
Trusted Customer	2	TrustedCustomerCd
Authentication Assurance Level	AAL1	AuthenticationAssuranceLevelCd
Identity Assurance Level	IAL1	IdentityAssuranceLevelCd

Field	Value	IRS element (for citing)
Tax	2022	TaxYr
Build TS	2023-04-26 12:10:37Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	SHARON MOORE	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	7474 FERGUSON ROAD	AddressLine1Txt
City	DALLAS	CityNm
State Abbreviation	TX	StateAbbreviationCd
ZIP	75228	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$34,676,444	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.CITYCU.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1942	FormationYr
Legal Domicile State	TX	LegalDomicileStateCd
Activity Or Mission	A COOPERATIVE THRIFT INSTITUTION AND A MEMBER OF THE NATIONAL CREDIT UNION ADMINISTRATION.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	131	TotalEmployeeCnt
Total Volunteers	7	TotalVolunteersCnt
Total Gross UBI	$578,883	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$27,222,723	PYProgramServiceRevenueAmt
CY Program Service Revenue	$28,462,163	CYProgramServiceRevenueAmt
PY Investment Income	$2,048,384	PYInvestmentIncomeAmt
CY Investment Income	$3,129,465	CYInvestmentIncomeAmt
PY Other Revenue	$1,225,680	PYOtherRevenueAmt
CY Other Revenue	$1,237,823	CYOtherRevenueAmt
PY Total Revenue	$30,496,787	PYTotalRevenueAmt
CY Total Revenue	$32,829,451	CYTotalRevenueAmt
PY Grants And Similar Paid	$7,892	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$4,825	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$3,121,039	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$3,288,966	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$9,102,874	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$9,672,810	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$13,879,816	PYOtherExpensesAmt
CY Other Expenses	$13,383,621	CYOtherExpensesAmt
PY Total Expenses	$26,111,621	PYTotalExpensesAmt
CY Total Expenses	$26,350,222	CYTotalExpensesAmt
PY Revenues Less Expenses	$4,385,166	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$6,479,229	CYRevenuesLessExpensesAmt
Total Assets BOY	$597,562,464	TotalAssetsBOYAmt
Total Assets EOY	$621,218,086	TotalAssetsEOYAmt
Total Liabilities BOY	$538,828,618	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$556,428,701	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$58,733,846	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$64,789,385	NetAssetsOrFundBalancesEOYAmt
Mission	CITY CREDIT UNION IS A COOPERATIVE THRIFT INSTITUTION AND IS A MEMBER OF THE NATIONAL CREDIT UNION ADMINISTRATION.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	PROVIDED LOANS, DEPOSIT ACCOUNTS AND OTHER FINANCIAL PRODUCTS AND SERVICES TO 34,883 MEMBERS.	Desc
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Donor Rstr Or Quasi Endowments	0	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	Yes (1)	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	Yes (1)	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	0	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	Yes (1)	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	0	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	0	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	Yes (1)	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	7930	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Employee	131	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (1)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (1)	Form990TFiledInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	0	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	7	GoverningBodyVotingMembersCnt
Independent Voting Member	7	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	Yes (1)	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (1)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	0	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	Yes (1)	LocalChaptersInd
Policies Reference Chapters	Yes (1)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	Yes (1)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Field	Value	IRS element (for citing)
Person	SHARON MOORE	PersonNm
Phone	2143195070	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	7474 FERGUSON RD	AddressLine1Txt
City	DALLAS	CityNm
State Abbreviation	TX	StateAbbreviationCd
ZIP	75228	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (19 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Highest Compensated EmployeeHighestCompensatedEmployeeInd
ALAN RICHARDSON
CHAIR	1.00	Yes (X)	Yes (X)	$0	$0	$0
LARRY MCDANIEL
VICE CHAIR	1.00	Yes (X)	Yes (X)	$0	$0	$0
CRAIG MILLER THRU 032022
SECRETARY/TREASURER	1.00	Yes (X)	Yes (X)	$0	$0	$0
CONRADO MORLAN
SECRETARY/TREASURER	1.00	Yes (X)	Yes (X)	$0	$0	$0
GREG REICHEL
DIRECTOR	1.00	Yes (X)		$0	$0	$0
HOWIE REED
DIRECTOR	1.00	Yes (X)		$0	$0	$0
ERIK RAMIREZ
DIRECTOR	1.00	Yes (X)		$0	$0	$0
RONNIE DAVIS
DIRECTOR	1.00	Yes (X)		$0	$0	$0
GILBERT AGUILAR
DIRECTOR (THRU 03/2022)	1.00	Yes (X)		$0	$0	$0
PRECIOUS NICOLE GILLS
DIRECTOR (THRU 01/2022)	1.00	Yes (X)		$0	$0	$0
SHARON MOORE
PRESIDENT/CEO	40.00		Yes (X)	$586,766	$0	$36,680
MITCHELL CLARK
CAO	40.00		Yes (X)	$314,427	$0	$29,158
JOHN BAILEY
COO	40.00		Yes (X)	$313,901	$0	$28,897
DAVID FRITH
CSO	40.00		Yes (X)	$293,888	$0	$28,178
SALLIE HORACE
CRO	40.00		Yes (X)	$265,788	$0	$24,738
GARETH CADA
IT MANAGER	40.00			$148,923	$0	$11,368	Yes (X)
JEFF MAGLALANG
REAL ESTATE MANAGER	40.00			$133,156	$0	$10,526	Yes (X)
SHARON KORBA
MARKETING MANAGER	40.00			$121,488	$0	$9,806	Yes (X)
SHANNON GARRET
CONTROLLER	40.00			$123,161	$0	$10,233	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$2,301,498	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$189,584	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	9	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
FISERV
PO BOX 208457	DALLAS	TX	75320	TECHNOLOGY SERVICES	$1,965,934
AUTO EXAM
17555 EL CAMINO REAL	HOUSTON	TX	77058	AUTO PROTECTION SERVICES	$1,241,417
HAMILTON VAULTRONICS
401 N GROVE RD	RICHARDSON	TX	75081	BUILDING SERVICES	$443,379
FROST FINANCIAL SERVICES INC
11 OAK CREEK DR SUITE E	KAUFMAN	TX	75142	AUTO LOAN PROTECTION SERVICES	$340,600
ACHIEVA MORTGAGE
8829 CHAPEL SQUARE DR	CINCINNATI	OH	45249	MORTGAGE LOAN FUNDING SERVICE	$303,000

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	14	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS TO MEMBERS	522100	$18,802,501	$18,802,501
FEES AND CHARGES	522100	$7,951,050	$7,916,075	$34,975
INSURANCE COMMISSION	522100	$1,708,612	$1,587,276	$121,336

Field	Value	IRS element (for citing)
Total Program Service Revenue	$28,462,163	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$3,021,333	TotalRevenueColumnAmt
Exclusion	$3,021,333	ExclusionAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$422,572	RealAmt

Less Rental Expenses LessRentalExpensesGrp

Field	Value	IRS element (for citing)
Real	$0	RealAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	$422,572	RealAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$422,572	TotalRevenueColumnAmt
Unrelated Business Revenue	$422,572	UnrelatedBusinessRevenueAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$1,955,125	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$1,846,993	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	$108,132	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$108,132	TotalRevenueColumnAmt
Exclusion	$108,132	ExclusionAmt

Other Revenue Misc OtherRevenueMiscGrp (2 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
CAPITAL SHARE CLAIM REIMBURSEMENT	522100	$699,002	$699,002
MISCELLANEOUS REVENUE	522100	$116,249	$116,249

Field	Value	IRS element (for citing)
Other Revenue Total	$815,251	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$32,829,451	TotalRevenueColumnAmt
Related Or Exempt Func Income	$29,121,103	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$578,883	UnrelatedBusinessRevenueAmt
Exclusion	$3,129,465	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$4,825	TotalAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$3,288,966	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,922,420	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$5,684,163	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$568,031	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,006,544	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$491,652	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$19,842	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$73,600	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$719,004	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$788,424	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$786,388	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$451,641	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$1,206,980	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$5,000	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$183,060	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$857,206	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$160,410	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
PROVISION FOR LOAN LOSS	$2,444,374
MISCELLANEOUS	$1,705,185
DEBIT CARD EXPENSE	$1,504,776
LOAN SERVICING	$1,153,661

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,324,070	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$26,350,222	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$5,078,490	BOYAmt
EOY	$3,989,857	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$58,942,735	BOYAmt
EOY	$45,397,116	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$326,202,993	BOYAmt
EOY	$380,647,772	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$812,419	BOYAmt
EOY	$743,656	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$21,967,962	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$10,348,077	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$13,454,260	BOYAmt
EOY	$11,619,885	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$474,795	BOYAmt
EOY	$509,378	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$182,877,539	BOYAmt
EOY	$168,850,883	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$9,719,233	BOYAmt
EOY	$9,459,539	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$597,562,464	BOYAmt
EOY	$621,218,086	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$9,868,998	BOYAmt
EOY	$14,371,973	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$528,959,620	BOYAmt
EOY	$542,056,728	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$538,828,618	BOYAmt
EOY	$556,428,701	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow FASB117	Yes (X)	OrgDoesNotFollowFASB117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$58,733,846	BOYAmt
EOY	$64,789,385	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$58,733,846	BOYAmt
EOY	$64,789,385	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$597,562,464	BOYAmt
EOY	$621,218,086	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$6,479,229	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$42,844	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	-$380,846	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Consolidated Basis Fincl Stmt	Yes (X)	ConsolidatedBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (1)	AuditCommitteeInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$2,331,573	OtherCostOrOtherBasisAmt
Book Value	$2,331,573	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$15,010,727	OtherCostOrOtherBasisAmt
Depreciation	$6,322,183	DepreciationAmt
Book Value	$8,688,544	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$53,242	OtherCostOrOtherBasisAmt
Depreciation	$53,242	DepreciationAmt
Book Value	$0	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$4,478,972	OtherCostOrOtherBasisAmt
Depreciation	$3,915,656	DepreciationAmt
Book Value	$563,316	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$93,448	OtherCostOrOtherBasisAmt
Depreciation	$56,996	DepreciationAmt
Book Value	$36,452	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$11,619,885	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (4 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
HELD-TO-MATURITY	$164,822,563	C
CERTIFICATES OF DEPOSIT IN OTHER FINANCIAL INSTITUTIONS	$3,630,000	C
FEDERAL HOME LOAN BANK STOCK	$363,700	C
PSCU CAPITAL SHARES	$34,620	C

Field	Value	IRS element (for citing)
Total Book Value Securities	$168,850,883	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (2 entries)

DescDesc	AmtAmt
MEMBER'S SHARE AND SAVINGS ACCOUNT	$541,547,350
457 PLAN LIABILITY	$509,378

Field	Value	IRS element (for citing)
Total Liability	$542,056,728	TotalLiabilityAmt
Footnote Text	Yes (X)	FootnoteTextInd

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART X, LINE 2:	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION IS EXEMPT FROM MOST FEDERAL, STATE, AND LOCAL TAXES UNDER THE PROVISIONS OF THE INTERNAL REVENUE CODE AND STATE TAX LAWS. HOWEVER, THE CREDIT UNION IS SUBJECT TO UNRELATED BUSINESS INCOME TAX. THE INCOME TAXES TOPIC OF THE FASB ASC CLARIFIES ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES REPORTED IN THE FINANCIAL STATEMENTS. THE INTERPRETATION PROVIDES CRITERIA FOR ASSESSMENT OF INDIVIDUAL TAX POSITIONS AND A PROCESS FOR RECOGNITION AND MEASUREMENT OF UNCERTAIN TAX POSITIONS. TAX POSITIONS ARE EVALUATED ON WHETHER THEY MEET THE "MORE LIKELY THAN NOT" STANDARD FOR SUSTAINABILITY ON EXAMINATION BY TAX AUTHORITIES. MANAGEMENT HAS DETERMINED THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS. THE CREDIT UNION OWNS A MAJORITY INTEREST IN THE CONSOLIDATED CUSO. THE INCOME FROM THE CUSO FLOWS UP TO THE CREDIT UNION, AND THEREFORE IS NOT SUBJECT TO MOST FEDERAL AND STATE INCOME TAXES.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	Yes (X)	TravelForCompanionsInd
Club Dues Or Fees	Yes (X)	ClubDuesOrFeesInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (1)	SubstantiationRequiredInd
Independent Consultant	Yes (X)	IndependentConsultantInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (1)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (6 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
SHARON MOORE
PRESIDENT/CEO	$475,579	$0	$95,709	$0	$15,478	$0	$31,500	$0	$5,180	$0	$623,446	$0	$0	$0
MITCHELL CLARK
CAO	$284,266	$0	$30,161	$0	$0	$0	$23,978	$0	$5,180	$0	$343,585	$0	$0	$0
JOHN BAILEY
COO	$281,779	$0	$32,122	$0	$0	$0	$23,718	$0	$5,179	$0	$342,798	$0	$0	$0
DAVID FRITH
CSO	$274,143	$0	$19,745	$0	$0	$0	$22,998	$0	$5,180	$0	$322,066	$0	$0	$0
SALLIE HORACE
CRO	$240,735	$0	$25,053	$0	$0	$0	$19,563	$0	$5,175	$0	$290,526	$0	$0	$0
GARETH CADA
IT MANAGER	$141,819	$0	$7,104	$0	$0	$0	$6,214	$0	$5,154	$0	$160,291	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 4B	FormAndLineReferenceDesc
Explanation	THE CREDIT UNION HAS A 457F NONQUALIFIED DEFERRED COMPENSATION PLAN FOR MEMBERS OF MANAGEMENT. THE FOLLOWING EMPLOYEES RECEIVED CONTRIBUTIONS TO THIS PLAN DURING 2022: - SHARON MOORE $20,500 - JOHN BAILEY $12,965 - MITCHELL CLARK $13,132 - SALLIE HORACE $10,717 - DAVID FRITH $12,534	ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (10 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 4	THE BYLAWS WERE AMENDED IN MAY TO REMOVE THE TERM LIMITS IN CHAPTER V SECTION 5.01(E).
FORM 990, PART VI, SECTION A, LINE 6	CITY CU IS A MEMBER-OWNED FINANCIAL COOPERATIVE. MEMBERSHIP IS OPEN TO ANYONE WHO LIVES, WORKS, WORSHIPS, OR ATTENDS SCHOOL IN THE FOLLOWING TEXAS COUNTIES: DALLAS, ELLIS, COOKE, GRAYSON, ROCKWALL, KAUFMAN, DENTON, COLLIN, TARRANT, HUNT, JOHNSON, PARKER, AND WISE.
FORM 990, PART VI, SECTION A, LINE 7A	THE CREDIT UNION'S MEMBERS ELECT THE GOVERNING BODY.
FORM 990, PART VI, SECTION A, LINE 7B	BOARD ELECTIONS AND MERGERS ARE SUBJECT TO APPROVAL BY MEMBERS AS STATED IN THE CREDIT UNION'S CHARTER AND BYLAWS.
FORM 990, PART VI, SECTION A, LINE 8B	THE CREDIT UNION DOES NOT HAVE ANY COMMITTEES THAT HAVE THE AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY.
FORM 990, PART VI, SECTION B, LINE 11B	FORM 990 IS REVIEWED BY THE PRESIDENT/CEO AND THE CHIEF ADMINISTRATIVE OFFICER. THE PRESIDENT/CEO SIGNS THE FORM 990 AS AUTHORIZED BY THE BOARD OF DIRECTORS. THE BOARD OF DIRECTORS RECEIVE A COPY OF THE FORM 990 PRIOR TO FILING.
FORM 990, PART VI, SECTION B, LINE 12C	THE CONFLICT OF INTEREST POLICY COVERS THE BOARD OF DIRECTORS AND THE CEO. ANY CONFLICT OF INTEREST SHOULD BE DISCLOSED BY THE INDIVIDUAL AND THAT PERSON RECUSES THEMSELVES FROM DISCUSSION AND DECISION MAKING ON THE TOPIC. REMAINING DIRECTORS CONSIDER AND RESOLVE ANY ISSUES INVOLVING CONFLICT OF INTEREST OF INDIVIDUAL DIRECTORS. INTERNAL AUDIT REPORTS ARE REVIEWED BY MANAGEMENT, THE AUDIT COMMITTEE AND THE BOARD OF DIRECTORS.
FORM 990, PART VI, SECTION B, LINE 15	THE CREDIT UNION CONTRACTS WITH AN INDEPENDENT CONSULTING FIRM TO PROVIDE COMPENSATION INFORMATION AND DATA, WHICH THE BOARD USES TO DETERMINE THE PRESIDENT AND CEO'S COMPENSATION AND BENEFITS. THE BOARD MINUTES REFLECT THIS ACTION. FOR ALL OTHER EMPLOYEES, THE INDEPENDENT CONSULTANT PROVIDES MARKET DATA AND MERIT INCREASES ARE BASED ON PERFORMANCE REVIEWS BY THE CEO WHICH ARE KEPT ON FILE.
FORM 990, PART VI, SECTION C, LINE 19	THE CREDIT UNION'S WEBSITE INDICATES THIS INFORMATION IS AVAILABLE UPON REQUEST. FINANCIAL INFORMATION IS ALSO INCLUDED IN THE CREDIT UNION'S ANNUAL REPORT WHICH IS AVAILABLE ON THE CREDIT UNION'S WEBSITE.
FORM 990, PART XI, LINE 9:	CHANGE IN VALUE OF DEFINED BENEFIT PLAN ASSETS -380,846.

Schedule R IRS990ScheduleR

Id Disregarded Entities IdDisregardedEntitiesGrp

Disregarded Entity Name DisregardedEntityName

Field	Value	IRS element (for citing)
Business Name Line1	CITY CU FINANCIAL SERVICES LLC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	7474 FERGUSON RD	AddressLine1Txt
City	DALLAS	CityNm
State Abbreviation	TX	StateAbbreviationCd
ZIP	752286543	ZIPCd

Field	Value	IRS element (for citing)
EIN	814446137	EIN
Primary Activities	INSURANCE SALES	PrimaryActivitiesTxt
Legal Domicile State	TX	LegalDomicileStateCd
Total Income	$116,249	TotalIncomeAmt
End Of Year Assets	$75,364	EndOfYearAssetsAmt

Direct Controlling Entity Name DirectControllingEntityName

Field	Value	IRS element (for citing)
Business Name Line1	CITY CREDIT UNION	BusinessNameLine1Txt