CITY CREDIT UNION (EIN 430822402) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1960

Legal Domicile

Principal Officer

LISA AUTRY

Phone

8162522415

Tax Period

2025-01-01 to 2025-12-31

CITY CREDIT UNION, founded in 1960, is a community nonprofit that reported $4.0M in total revenue in fiscal year 2025. The organization ran a surplus of $736K, a strong 19% operating margin.

Mission

TO SERVE OUR MEMBERS' FINANCIAL NEEDS IN A FRIENDLY AND RESPONSIBLE WAY.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $1,840

Program Service Revenue $3,056,235

Investment Income $905,722

Other Revenue $7,421

TOTAL REVENUE $3,971,218

Expense Breakdown

Grants Paid $2,000

Salaries & Benefits $952,422

Fundraising Expenses $0

Other Expenses $2,281,099

TOTAL EXPENSES $3,235,521

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,971,218	$3,692,622	+0.1%
Expenses	$3,235,521	$2,999,250	+0.1%
Net Income	$735,697	$693,372	+0.1%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$286,097

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LARRY HORNE	CHAIRMAN	1.00	Director	$0	$0	$0
DAYLA BISHOP SCHWARTZ	VICE CHAIRMAN	1.00	Director	$0	$0	$0
MARY THOMPSON	SECRETARY / TREASURER	1.00	Director	$0	$0	$0
JERRY HUNTER	DIRECTOR	1.00	Director	$0	$0	$0
SEAN TITUS	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL HIRST	DIRECTOR	1.00	Director	$0	$0	$0
TIMOTHY HERMAN	DIRECTOR	1.00	Director	$0	$0	$0
LISA AUTRY	PRESIDENT	45.00	Officer	$150,574	$16,552	$167,126
JENNIFER GRISSOM	VICE PRESIDENT - LENDING	45.00	Officer	$88,896	$30,075	$118,971

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$3,971,218	$3,235,521	$62,278,792	$735,697
2024	$3,692,622	$2,999,250	$56,391,496	$693,372
2023	$3,203,431	$2,539,967	$55,130,698	$663,464
2022	$2,361,541	$2,211,744	$56,740,522	$149,797
2021	$2,065,240	$1,821,036	$57,882,498	$244,204
2020	$2,142,784	$1,597,217	$49,606,134	$545,567
2019	$2,298,303	$1,880,659	$39,675,867	$417,644
2018	$2,149,351	$1,543,074	$38,497,654	$606,277

CITY CREDIT UNION