CITY CREDIT UNION: Form 990, tax year 2025

View the entire original 990 at ProPublica ↗

Organization: CITY CREDIT UNION (EIN 75-0692281)
Tax period: 2025-01-01 to 2025-12-31
Filed: 2026-07-31
IRS object ID: 202632129349301433
Schema version: 2025v4.2
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	2026-07-31T15:04:12-05:00	ReturnTs
Tax Period End	2025-12-31	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	2875 MICHELLE DRIVE 300	AddressLine1Txt
City	IRVINE	CityNm
State Abbreviation	CA	StateAbbreviationCd
ZIP	92606	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2025-01-01	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	2145150100	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	8344 EAST RL THORNTON FWY SUITE	AddressLine1Txt
City	DALLAS	CityNm
State Abbreviation	TX	StateAbbreviationCd
ZIP	75228	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	DAVID FRITH	PersonNm
Person Title	PRESIDENT/CEO	PersonTitleTxt
Phone	2145150100	PhoneNum
Signature	2026-07-30	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	LISA N RYSSEL CPA	PreparerPersonNm
PTIN	P00643670	PTIN
Phone	7147955370	PhoneNum
Preparation	2026-07-28	PreparationDt

Field	Value	IRS element (for citing)
Tax	2025	TaxYr
Build TS	2025-03-06 01:10:19Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Address Change	Yes (X)	AddressChangeInd
Principal Officer	DAVID FRITH	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	8344 EAST RL THORNTON FWY SUITE	AddressLine1Txt
City	DALLAS	CityNm
State Abbreviation	TX	StateAbbreviationCd
ZIP	75228	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$39,765,944	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	5	VotingMembersGoverningBodyCnt
Voting Members Independent	5	VotingMembersIndependentCnt
Total Employee	123	TotalEmployeeCnt
Total Volunteers	8	TotalVolunteersCnt
Total Gross UBI	$448,308	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$35,069,978	PYProgramServiceRevenueAmt
CY Program Service Revenue	$31,743,203	CYProgramServiceRevenueAmt
PY Investment Income	$7,972,329	PYInvestmentIncomeAmt
CY Investment Income	$7,686,732	CYInvestmentIncomeAmt
PY Other Revenue	$337,652	PYOtherRevenueAmt
CY Other Revenue	$336,009	CYOtherRevenueAmt
PY Total Revenue	$43,379,959	PYTotalRevenueAmt
CY Total Revenue	$39,765,944	CYTotalRevenueAmt
PY Grants And Similar Paid	$5,186	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$7,312	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$11,849,831	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$8,657,915	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$11,227,762	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$11,235,704	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$17,023,892	PYOtherExpensesAmt
CY Other Expenses	$19,322,433	CYOtherExpensesAmt
PY Total Expenses	$40,106,671	PYTotalExpensesAmt
CY Total Expenses	$39,223,364	CYTotalExpensesAmt
PY Revenues Less Expenses	$3,273,288	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$542,580	CYRevenuesLessExpensesAmt
Total Assets BOY	$639,516,465	TotalAssetsBOYAmt
Total Assets EOY	$623,208,818	TotalAssetsEOYAmt
Total Liabilities BOY	$567,563,343	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$550,060,204	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$71,953,122	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$73,148,614	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 34,196 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	7396	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	123	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	5	GoverningBodyVotingMembersCnt
Independent Voting Member	5	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

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	DAVID FRITH	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	2145150100	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	8344 EAST RL THORNTON FWY SUITE 400	AddressLine1Txt
City	DALLAS	CityNm
State Abbreviation	TX	StateAbbreviationCd
ZIP	75228	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (17 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
RONNIE DAVIS
VICE CHAIR	1.00	Yes (X)	Yes (X)	$0	$0	$0
LARRY MCDANIEL
SECRETARY/TREASURER	1.00	Yes (X)	Yes (X)	$0	$0	$0
CRAIG MILLER
DIRECTOR	1.00	Yes (X)		$0	$0	$0
ERIK RAMIREZ
DIRECTOR (LEFT 1/2025)	1.00	Yes (X)		$0	$0	$0
HOWIE REED
DIRECTOR (LEFT 2/2025)	1.00	Yes (X)		$0	$0	$0
JOHN SUTTON
DIRECTOR	1.00	Yes (X)		$0	$0	$0
SHARON MOORE
PRESIDENT/CEO (LEFT 10/01/25)	40.00		Yes (X)	$888,701	$0	$45,875
DAVID FRITH
PRESIDENT/CEO	40.00		Yes (X)	$447,724	$0	$51,099
MITCHELL CLARK
EVP/COO	40.00		Yes (X)	$442,680	$0	$41,374
SALLIE HORACE
CRO	40.00		Yes (X)	$347,510	$0	$46,301
SHANNON GARRETT
CFO	40.00		Yes (X)	$180,128	$0	$18,339
GARRETH CADA
SENIOR IT MANAGER	40.00			$169,228	$0	$21,314	Yes (X)
SHARON KORBA
SENIOR MARKETING MANAGER	40.00			$146,472	$0	$16,162	Yes (X)
NATALIE JONES
PX MANAGER	40.00			$130,167	$0	$15,622	Yes (X)
JESTIN JOSEPH
COMPLIANCE RISK MANAGER	40.00			$141,415	$0	$4,635	Yes (X)
BENNY YU
NETWORK ANALYST	40.00			$108,491	$0	$16,860	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$3,002,516	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$277,581	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	10	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	$2,977,949
ICI CONSULTING INC
739 PINTA DR	SAINT PETERSBURG	FL	33715	TECHNOLOGY CONSULTING	$1,357,026
AUTO EXAM
17555 EL CAMINO REAL	HOUSTON	TX	77058	AUTO PROTECTION SERVICES	$1,130,547
CORELATION INC
2305 HISTORIC DECATUR RD 300	SAN DIEGO	CA	92106	CORE SYSTEM	$597,499
HAMILTON
22 LABARRE ST	GIBBON	NE	68840	TECHNOLOGY CONSULTING	$406,522

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	15	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (4 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS TO MEMBERS	522100	$23,346,648	$23,346,648
FEES AND CHARGES	522100	$6,881,191	$6,862,642	$18,549
INSURANCE COMMISSION	522100	$1,342,927	$1,249,177	$93,750
OTHER NON-INTEREST INCOME	522100	$172,437	$172,437

Field	Value	IRS element (for citing)
Total Program Service Revenue	$31,743,203	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$7,686,732	TotalRevenueColumnAmt
Exclusion	$7,686,732	ExclusionAmt

Gross Rents GrossRentsGrp

Field	Value	IRS element (for citing)
Real	$336,009	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	$336,009	RealAmt

Net Rental Income Or Loss NetRentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$336,009	TotalRevenueColumnAmt
Unrelated Business Revenue	$336,009	UnrelatedBusinessRevenueAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$39,765,944	TotalRevenueColumnAmt
Related Or Exempt Func Income	$31,630,904	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$448,308	UnrelatedBusinessRevenueAmt
Exclusion	$7,686,732	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$7,312	TotalAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$8,657,915	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$2,453,896	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$6,311,994	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$687,918	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$1,229,441	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$552,455	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$84,805	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$111,500	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$2,382,443	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$694,600	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,035,645	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$355,281	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$1,080,070	TotalAmt

Travel TravelGrp

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

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$149,903	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$4,596	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$869,324	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$227,573	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
PROVISION FOR LOAN LOSS	$5,548,410
MISCELLANEOUS	$2,105,614
DEBIT CARD EXPENSE	$1,671,376
LOAN SERVICING	$1,270,332

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,725,961	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$39,223,364	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$3,167,651	BOYAmt
EOY	$3,093,616	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$56,872,792	BOYAmt
EOY	$52,102,970	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$362,807,502	BOYAmt
EOY	$322,082,464	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$1,200,462	BOYAmt
EOY	$1,065,395	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$26,269,430	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$11,905,917	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$11,249,938	BOYAmt
EOY	$14,363,513	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$693,935	BOYAmt
EOY	$856,497	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$190,492,765	BOYAmt
EOY	$217,223,422	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$13,031,420	BOYAmt
EOY	$12,420,941	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$639,516,465	BOYAmt
EOY	$623,208,818	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$17,660,848	BOYAmt
EOY	$7,245,628	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$549,902,495	BOYAmt
EOY	$542,814,576	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$567,563,343	BOYAmt
EOY	$550,060,204	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	$71,953,122	BOYAmt
EOY	$73,148,614	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$71,953,122	BOYAmt
EOY	$73,148,614	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$639,516,465	BOYAmt
EOY	$623,208,818	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$542,580	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$78,037	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$574,875	OtherChangesInNetAssetsAmt
Info In Schedule O Part XII	Yes (X)	InfoInScheduleOPartXIIInd
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	$18,821,937	OtherCostOrOtherBasisAmt
Depreciation	$8,208,956	DepreciationAmt
Book Value	$10,612,981	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	$4,441,001	OtherCostOrOtherBasisAmt
Depreciation	$3,643,719	DepreciationAmt
Book Value	$797,282	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$621,677	OtherCostOrOtherBasisAmt
Book Value	$621,677	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$14,363,513	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (4 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
HELD-TO-MATURITY	$200,312,225	C
CERTIFICATES OF DEPOSIT IN OTHER FINANCIAL INSTITUTIONS	$16,173,000	C
FEDERAL HOME LOAN BANK STOCK	$706,600	C
CUSO INVESTMENTS	$31,597	C

Field	Value	IRS element (for citing)
Total Book Value Securities	$217,223,422	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (2 entries)

DescDesc	AmtAmt
MEMBER'S SHARE AND SAVINGS ACCOUNT	$541,958,079
457 PLAN LIABILITY	$856,497

Field	Value	IRS element (for citing)
Total Liability	$542,814,576	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 INCOME TAXES UNDER SECTION 501(C)(14) OF THE INTERNAL REVENUE CODE AND APPLICABLE STATE TAX LAWS. THE CREDIT UNION IS SUBJECT TO TAX ON UNRELATED BUSINESS TAXABLE INCOME AND HAS FILED TAX RETURNS FOR ACTIVITIES DETERMINED TO CONSTITUTE UNRELATED BUSINESS INCOME. MANAGEMENT EVALUATES TAX POSITIONS IN ACCORDANCE WITH APPLICABLE ACCOUNTING GUIDANCE FOR UNCERTAINTY IN INCOME TAXES AND HAS CONCLUDED THAT NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2025 AND 2024. THE CREDIT UNION OWNS A MAJORITY INTEREST IN A CREDIT UNION SERVICE ORGANIZATION (CUSO) ORGANIZED AS AN LLC. BECAUSE THE CUSO IS TREATED AS A PASS-THROUGH ENTITY FOR INCOME TAX PURPOSES, ITS INCOME FLOWS THROUGH TO THE CREDIT UNION AND IS NOT SUBJECT TO SEPARATE FEDERAL OR STATE INCOME TAXATION.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	Yes (X)	TravelForCompanionsInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (1)	SubstantiationRequiredInd
Compensation Committee	Yes (X)	CompensationCommitteeInd
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 (7 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 (LEFT 10/01/25)	$728,009	$0	$147,631	$0	$13,061	$0	$34,500	$0	$11,375	$0	$934,576	$0	$0	$0
DAVID FRITH
PRESIDENT/CEO	$396,213	$0	$51,511	$0	$0	$0	$27,145	$0	$23,954	$0	$498,823	$0	$0	$0
MITCHELL CLARK
EVP/COO	$397,292	$0	$45,388	$0	$0	$0	$29,006	$0	$12,368	$0	$484,054	$0	$0	$0
SALLIE HORACE
CRO	$310,326	$0	$37,184	$0	$0	$0	$22,030	$0	$24,271	$0	$393,811	$0	$0	$0
SHANNON GARRETT
CFO	$168,131	$0	$11,997	$0	$0	$0	$7,392	$0	$10,947	$0	$198,467	$0	$0	$0
GARRETH CADA
SENIOR IT MANAGER	$156,953	$0	$12,275	$0	$0	$0	$6,755	$0	$14,559	$0	$190,542	$0	$0	$0
SHARON KORBA
SENIOR MARKETING MANAGER	$135,999	$0	$10,473	$0	$0	$0	$6,035	$0	$10,127	$0	$162,634	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (4 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
PART I, LINE 1B	1099 WAS ISSUED FOR SPOUSE TRAVEL AND REPORTED TO IRS.
PART I, LINE 3	BOARD LEVEL HR COMMITTEE WORKS WITH A THIRD PARTY CONSULTANT ON COMPENSATION FOR PRESIDENT/CEO. BASED ON MULTIPLE FACTORS THE THIRD PARTY MAKES A RECOMMENDATION FOR ANNUAL COMEPENSATION AND BONUS STRUCTURE. THE COMMITTEE REVIEWS THE THIRD PARTY RECOMMENDATION, PROVIDES A RECOMMENDATION TO THE FULL BOARD OF DIRECTORS FOR REVIEW AND FINAL APPROVAL.
PART I, LINE 4B	NAME: SHARON MOORE, DESCRIPTION: PRESIDENT/CEO (LEFT 10/01/25), CURRENT YEAR AMOUNT: $23,500. PLAN DESCRIPTION: 457 (F) NAME: MITCHELL CLARK, DESCRIPTION: EVP/CAO, CURRENT YEAR AMOUNT: $18,006. PLAN DESCRIPTION: 457 (F) NAME: DAVID FRITH, DESCRIPTION: PRESIDENT/CEO, CURRENT YEAR AMOUNT: $16,145. PLAN DESCRIPTION: 457 (F) NAME: SALLIE HORACE, DESCRIPTION: CRO, CURRENT YEAR AMOUNT: $14,874. PLAN DESCRIPTION: 457 (F)
PART I, LINE 5	BONUS PAYMENTS ARE PAID ANNUALLY FOR HITTING ANNUAL COMPANY GOALS.

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (11 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 4	DURING THE YEAR, THE ORGANIZATION AMENDED ITS BYLAWS TO MODIFY ITS GOVERNANCE STRUCTURE. THE AMENDMENTS REDUCED THE SIZE OF THE BOARD OF DIRECTORS FROM SEVEN TO FIVE MEMBERS AND EXPANDED THE AUTHORITY TO IMPOSE TEMPORARY MEMBER SUSPENSIONS FOR SAFETY AND WELFARE CONCERNS TO INCLUDE THE PRESIDENT OR THE PRESIDENT'S DESIGNEE, IN ADDITION TO THE BOARD OF DIRECTORS.
FORM 990, PART VI, SECTION A, LINE 6	CITY CREDIT UNION 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. THE PROCESS DESCRIBED HERE WAS LAST COMPLETED IN 2025.
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 574,875.
FORM 990, PART XII, LINE 2C:	THE PROCESS FOR OVERSIGHT AND SELECTION OF AN INDEPENDENT ACCOUNTANT HAS NOT CHANGED FROM THE PRIOR YEAR.

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	$152,461	TotalIncomeAmt
End Of Year Assets	$204,326	EndOfYearAssetsAmt

Direct Controlling Entity Name DirectControllingEntityName

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