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City Credit Union

Independence, MOUnknown exempt organizationEIN 43-0822402Revenue $4.0M in FY2025

On file with the IRScity-cu.com2550 S State Route 291 · Independence, MO

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To serve our members' financial needs in a friendly and responsible way.

Run by 13 volunteers and 16 employees.
Mission: Form 990 Part I, line 1 · People: Part I, lines 5–6

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FY2025 · Form 990Independent: from IRS data, not the org
Download 990
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
6 of 6
filings with a surplus
Average surplus $505K a year · 17% of revenue · last 6 filings
Looks good: a surplus in 6 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Pay to officers and key staff
$239K
to officers and key staff · 7% of spending
Looks good: pay to officers and key staff is 7% of spending; 15% or less.
Pt VII · Sec A
Cash reserves
77 mo
of spending, in cash
Looks good: 77.4 months of spending in cash; 3 or more.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$54.7M
88% of total assets
Concern: liabilities are 88% of assets; over 80%.
Pt X · Ln 26
Independent board members
7
of 7 voting members
Looks good: 7 of 7 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$4.0M
+8% vs prior year
Spent
$3.2M
Net assets
$7.6M
By yearFY2020–FY2025
Revenue
$4.0M
FY2025▲ +8%
Tap a bar for its year
Revenue by fiscal year
FY2020$2.1M
FY2021$2.1M
FY2022$2.4M
FY2023$3.2M
FY2024$3.7M
FY2025$4.0M
Expenses
$3.2M
FY2025▲ +8%
Tap a bar for its year
Expenses by fiscal year
FY2020$1.6M
FY2021$1.8M
FY2022$2.2M
FY2023$2.5M
FY2024$3.0M
FY2025$3.2M
Net assets
$7.6M
FY2025▲ +11%
Tap a bar for its year
Net assets by fiscal year
FY2020$5.1M
FY2021$5.4M
FY2022$5.5M
FY2023$6.2M
FY2024$6.9M
FY2025$7.6M

From the FY2025 Form 990 · see the original

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Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Who runs it and what they're paid

9 people listed on the 990; $239K paid to officers and key staff.

Part VII, Section A · reportable compensation
Lisa Autry
President
$150,574Pt VII · Sec A
Jennifer Grissom
Vice President - Lending
$88,896Pt VII · Sec A
Mary Thompson
Secretary / Treasurer
$0Pt VII · Sec A
Jerry Hunter
Director
$0Pt VII · Sec A
Larry Horne
Chairman
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
Sean Titus
Director
$0Pt VII · Sec A

Compensation history total reportable pay by year · 2 named individuals · Part VII

NameFY2025FY2024FY2023FY2022FY2021FY2020
Lisa Autry$150,574$135,466$126,350$107,045$98,146$98,514
Jennifer Grissom$88,896$78,996$74,830$71,475$63,863$59,496

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Helps members manage their money responsibly and meet financial needs.

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Provided by the organization

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3 programs · in their own filed words · FY2025
01

Provides a source of credit to members at a fair and reasonable rate of interest. As of december 31, 2025, loans outstanding totaled $35,061,072, including participation loans.

Pt IX · col B
02

Paid dividends and interest on member shares and deposits totaling $554,509 for the year.

Pt IX · col B
03

Provides financial and financially related services to 4,166 members.

Pt IX · col B

By the numbers

The FY2025 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$4.0M
Ln 12
Fees for servicesLn 2g$3.1M
Investment incomeLn 3$906K
Other incomeLn 4–11$7K
Money outPt IX
$3.2M
Ln 25
Owns and owesPt X
$7.6M
net assets · Ln 32
Cash and savingsLn 1–2$20.9M
Total assetsLn 16$62.3M
LiabilitiesLn 26$54.7M
PeoplePt VI, VII
9
listed · VII A
PaidVII A2
Voting boardVI 1a7
IndependentVI 1b7
2In more detail
Revenue in detailPt VIII
Gifts and grantsLn 1h$2K
Fees for servicesLn 2g$3.1M
Investment incomeLn 3$906K
Other incomeLn 4–11$7K
Total revenueLn 12$4.0M
Assets in detailPt X, end of year
CashLn 1$825K
SavingsLn 2$20.1M
Cash and savings togetherLn 1–2$20.9M
InvestmentsLn 11–13$182K
Land, buildings, equipmentLn 10c$801K
Other assetsLn 15$2.2M
Total assetsLn 16$62.3M
LiabilitiesLn 26$54.7M
Net assetsLn 32$7.6M
OperationsPt I, VI
EmployeesI 516
VolunteersI 613
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY25End FY25
Cash and savingsLn 1–2$16.5M$20.9M
InvestmentsLn 11–13$182K
Land, buildings, equipmentLn 10c$671K$801K
Total assetsLn 16$56.4M$62.3M
LiabilitiesLn 26$49.5M$54.7M
Net assetsLn 32$6.9M$7.6M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic individualsLn 2$2K
Pay of current officers, directors and key staffLn 5$286K
Other salaries and wagesLn 7$478K
Pension plan contributionsLn 8$54K
Other employee benefitsLn 9$79K
Payroll taxesLn 10$55K
Accounting feesLn 11c$23K
Other fees for servicesLn 11g$15K
Advertising and promotionLn 12$95K
Office expensesLn 13$437K
Information technologyLn 14$308K
OccupancyLn 16$112K
Conferences, conventions and meetingsLn 19$18K
Depreciation, depletion and amortizationLn 22$49K
InsuranceLn 23$32K
Other expenses (24a–d)Ln 24$1.2M
All other expensesLn 24e$34K
Total functional expensesLn 25$3.2M

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $4.0M$3.2M$736K$7.6M 990 PDF
FY2024 $3.7M$3.0M$693K$6.9M 990 PDF
FY2023 $3.2M$2.5M$663K$6.2M 990 PDF
FY2022 $2.4M$2.2M$150K$5.5M 990 PDF
FY2021 $2.1M$1.8M$244K$5.4M 990 PDF
FY2020 $2.1M$1.6M$546K$5.1M 990 PDF

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Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants J · Pay O · Explanations
See the full FY2025 990 (6 parts)
Part I · Summary $3,971,218 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $10,325$1,840
I-9 Program service revenuePrior year $2,982,960$3,056,235
I-10 Investment incomePrior year $692,991$905,722
I-11 Other revenuePrior year $6,346$7,421
I-12 Total revenuePrior year $3,692,622$3,971,218
I-13 Grants and similar amounts paidPrior year $2,000$2,000
I-14 Benefits paid to membersPrior year $0$0
I-15 Salaries and benefitsPrior year $823,829$952,422
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $2,173,421$2,281,099
I-18 Total expensesPrior year $2,999,250$3,235,521
I-19 Revenue less expensesPrior year $693,372$735,697
Part VI · Governance 7 of 7 board members independent, no flags
VI-1a Voting members of the governing body7
VI-1b Independent voting members7
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $3,971,218 across 6 lines filed
VIII-1f All other contributions, gifts and grants$1,840
VIII-1h Total contributions, gifts and grants$1,840
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $3,053,685 · Unrelated business $2,550$3,056,235
VIII-3 Investment incomeRelated to mission $905,722$905,722
VIII-5 RoyaltiesRelated to mission $7,421$7,421
VIII-12 Total revenueRelated to mission $3,966,828 · Unrelated business $2,550 · Excluded from tax $0$3,971,218
Part IX · Statement of functional expenses $3,235,521 across 17 lines filed
IX-2 Grants to domestic individuals$2,000
IX-5 Pay of current officers, directors and key staff$286,097
IX-7 Other salaries and wages$478,080
IX-8 Pension plan contributions$54,030
IX-9 Other employee benefits$79,498
IX-10 Payroll taxes$54,717
IX-11c Accounting fees$22,800
IX-11g Other fees for services$15,064
IX-12 Advertising and promotion$94,517
IX-13 Office expenses$437,339
IX-14 Information technology$308,226
IX-16 Occupancy$111,814
IX-19 Conferences, conventions and meetings$17,625
IX-22 Depreciation, depletion and amortization$48,502
IX-23 Insurance$32,499
IX-24 Other expenses (24a–d)$1,158,503
IX-24e All other expenses$34,210
IX-25 Total functional expenses$3,235,521
Part X · Balance sheet $62,278,792 assets, 12 lines filed
Asset lines not itemized here account for $37,908,194; see the IRS return.
X-1 Cash, non-interest-bearingStart of year $763,583$825,346
X-2 Savings and temporary cash investmentsStart of year $15,727,720$20,050,590
X-9 Prepaid expenses and deferred chargesStart of year $344,943$306,177
X-10c Land, buildings and equipment, netStart of year $671,164$800,879
X-12 Other securities$181,800
X-15 Other assetsStart of year $2,115,847$2,205,806
X-16 Total assetsStart of year $56,391,496$62,278,792
X-17 Accounts payable and accrued expensesStart of year $847,652$1,212,596
X-25 Other liabilitiesStart of year $48,665,719$53,452,374
X-26 Total liabilitiesStart of year $49,513,371$54,664,970
X-32 Total net assets or fund balancesStart of year $6,878,125$7,613,822
X-33 Total liabilities and net assetsStart of year $56,391,496$62,278,792
Part XI · Reconciliation of net assets $7,613,822 net assets at year end
XI-1 Total revenue$3,971,218
XI-2 Total expenses$3,235,521
XI-3 Revenue less expenses$735,697
XI-4 Net assets at start of year$6,878,125
XI-9 Other changes in net assets$0
XI-10 Net assets at end of year$7,613,822

Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File

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