2026-07-31T15:04:12-05:00 2025-12-31 410746749 CLIFTONLARSONALLEN LLP 2875 MICHELLE DRIVE 300 IRVINE CA 92606 990 2025-01-01 750692281 CITY CREDIT UNION CITY 2145150100 8344 EAST RL THORNTON FWY SUITE DALLAS TX 75228 DAVID FRITH PRESIDENT/CEO 2145150100 2026-07-30 1 LISA N RYSSEL CPA P00643670 7147955370 2026-07-28 2025 2025-03-06 01:10:19Z X DAVID FRITH 8344 EAST RL THORNTON FWY SUITE DALLAS TX 75228 39765944 0 X WWW.CITYCU.ORG X 1942 TX A COOPERATIVE THRIFT INSTITUTION AND A MEMBER OF THE NATIONAL CREDIT UNION ADMINISTRATION. 5 5 123 8 448308 0 0 0 35069978 31743203 7972329 7686732 337652 336009 43379959 39765944 5186 7312 11849831 8657915 11227762 11235704 0 0 0 17023892 19322433 40106671 39223364 3273288 542580 639516465 623208818 567563343 550060204 71953122 73148614 CITY CREDIT UNION IS A COOPERATIVE THRIFT INSTITUTION AND IS A MEMBER OF THE NATIONAL CREDIT UNION ADMINISTRATION. 0 0 PROVIDED LOANS, DEPOSIT ACCOUNTS AND OTHER FINANCIAL PRODUCTS AND SERVICES TO 34,196 MEMBERS. 0 0 0 0 0 0 0 0 0 1 1 0 0 1 1 0 1 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 7396 0 1 123 1 1 1 0 0 0 0 0 0 0 X 5 5 0 0 1 0 1 1 1 1 0 0 1 1 1 1 1 1 1 1 1 1 0 X DAVID FRITH 2145150100 8344 EAST RL THORNTON FWY SUITE 400 DALLAS TX 75228 ALAN RICHARDSON CHAIR 1.00 X X 0 0 0 RONNIE DAVIS VICE CHAIR 1.00 X X 0 0 0 LARRY MCDANIEL SECRETARY/TREASURER 1.00 X X 0 0 0 CRAIG MILLER DIRECTOR 1.00 X 0 0 0 ERIK RAMIREZ DIRECTOR (LEFT 1/2025) 1.00 X 0 0 0 HOWIE REED DIRECTOR (LEFT 2/2025) 1.00 X 0 0 0 JOHN SUTTON DIRECTOR 1.00 X 0 0 0 SHARON MOORE PRESIDENT/CEO (LEFT 10/01/25) 40.00 X 888701 0 45875 DAVID FRITH PRESIDENT/CEO 40.00 X 447724 0 51099 MITCHELL CLARK EVP/COO 40.00 X 442680 0 41374 SALLIE HORACE CRO 40.00 X 347510 0 46301 SHANNON GARRETT CFO 40.00 X 180128 0 18339 GARRETH CADA SENIOR IT MANAGER 40.00 X 169228 0 21314 SHARON KORBA SENIOR MARKETING MANAGER 40.00 X 146472 0 16162 NATALIE JONES PX MANAGER 40.00 X 130167 0 15622 JESTIN JOSEPH COMPLIANCE RISK MANAGER 40.00 X 141415 0 4635 BENNY YU NETWORK ANALYST 40.00 X 108491 0 16860 3002516 0 277581 10 0 1 0 FISERV PO BOX 208457 DALLAS TX 75320 TECHNOLOGY SERVICES 2977949 ICI CONSULTING INC 739 PINTA DR SAINT PETERSBURG FL 33715 TECHNOLOGY CONSULTING 1357026 AUTO EXAM 17555 EL CAMINO REAL HOUSTON TX 77058 AUTO PROTECTION SERVICES 1130547 CORELATION INC 2305 HISTORIC DECATUR RD 300 SAN DIEGO CA 92106 CORE SYSTEM 597499 HAMILTON 22 LABARRE ST GIBBON NE 68840 TECHNOLOGY CONSULTING 406522 15 INTEREST ON LOANS TO MEMBERS 522100 23346648 23346648 FEES AND CHARGES 522100 6881191 6862642 18549 INSURANCE COMMISSION 522100 1342927 1249177 93750 OTHER NON-INTEREST INCOME 522100 172437 172437 31743203 7686732 7686732 336009 0 336009 336009 336009 39765944 31630904 448308 7686732 7312 8657915 2453896 6311994 687918 1229441 552455 84805 111500 2382443 694600 1035645 355281 1080070 5000 149903 4596 869324 227573 PROVISION FOR LOAN LOSS 5548410 MISCELLANEOUS 2105614 DEBIT CARD EXPENSE 1671376 LOAN SERVICING 1270332 1725961 39223364 3167651 3093616 56872792 52102970 362807502 322082464 1200462 1065395 26269430 11905917 11249938 14363513 693935 856497 190492765 217223422 13031420 12420941 639516465 623208818 17660848 7245628 549902495 542814576 567563343 550060204 X 0 0 0 0 71953122 73148614 71953122 73148614 639516465 623208818 X 542580 78037 574875 X X 0 1 X 1 0 2331573 2331573 18821937 8208956 10612981 53242 53242 0 4441001 3643719 797282 621677 621677 14363513 HELD-TO-MATURITY 200312225 C CERTIFICATES OF DEPOSIT IN OTHER FINANCIAL INSTITUTIONS 16173000 C FEDERAL HOME LOAN BANK STOCK 706600 C CUSO INVESTMENTS 31597 C 217223422 MEMBER'S SHARE AND SAVINGS ACCOUNT 541958079 457 PLAN LIABILITY 856497 542814576 X PART X, LINE 2: 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. X 1 1 X X X X 0 1 0 SHARON MOORE PRESIDENT/CEO (LEFT 10/01/25) 728009 0 147631 0 13061 0 34500 0 11375 0 934576 0 0 0 DAVID FRITH PRESIDENT/CEO 396213 0 51511 0 0 0 27145 0 23954 0 498823 0 0 0 MITCHELL CLARK EVP/COO 397292 0 45388 0 0 0 29006 0 12368 0 484054 0 0 0 SALLIE HORACE CRO 310326 0 37184 0 0 0 22030 0 24271 0 393811 0 0 0 SHANNON GARRETT CFO 168131 0 11997 0 0 0 7392 0 10947 0 198467 0 0 0 GARRETH CADA SENIOR IT MANAGER 156953 0 12275 0 0 0 6755 0 14559 0 190542 0 0 0 SHARON KORBA SENIOR MARKETING MANAGER 135999 0 10473 0 0 0 6035 0 10127 0 162634 0 0 0 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. 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. CITY CU FINANCIAL SERVICES LLC 7474 FERGUSON RD DALLAS TX 752286543 814446137 INSURANCE SALES TX 152461 204326 CITY CREDIT UNION