FIRST CITY CREDIT UNION

As filed

Subsection

14

Classification

1000

Street

500 W WOODBURY RD

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Group exemption

A subordinate covered by the group exemption of CREDIT UNIONS IN THE STATE OF CALIFORNIA (EIN 94-6123880). matched by us

The IRS lists each organization's group exemption number; we match a subordinate to its central organization by that number and the affiliation code the IRS assigns.

Mission and programs · 2025

• RETAIL LENDING: FIRST CITY CREDIT UNION PROVIDES A FULL RANGE OF RETAIL LENDING PRODUCTS TO ITS MEMBERS, INCLUDING NEW AND USED AUTO FINANCING, REAL ESTATE MORTGAGES, UNSECURED LOANS, HOME EQUITY LINES OF CREDIT AND OTHER RETAIL CREDIT. WE ARE AMONG THE LEADING CREDIT UNIONS IN THE COUNTRY IN TERMS OF OUR RELATIVE CONCENTRATION OF SUCCESSFUL AUTO LENDING PRODUCTS, WHICH REPRESENT 30% OF OUR TOTAL LOANS. WE CONTINUE TO DEVELOP OUR LENDING CAPABILITIES AS A RELIABLE SOURCE OF CREDIT IN THE CHALLENGING ECONOMIC CONDITIONS OF THE PAST YEAR. AT 12/31/2025, FIRST CITY CREDIT UNION HAD 57,404 MEMBER LOANS OUTSTANDING WITH A TOTAL BALANCE OF $445,103,946.

• DEPOSITS: FIRST CITY CREDIT UNION PROVIDES A FULL RANGE OF RETAIL DEPOSIT PRODUCTS TO ITS MEMBERS TO PROVIDE A SAFE AND INSURED INVESTMENT VEHICLE TO HELP FINANCIAL MANAGEMENT. THIS INCLUDES BOTH FIXED TERM CERTIFICATES OF DEPOSIT AND NON-MATURING DEPOSITS, SUCH AS MONEY MARKET ACCOUNTS. WE ALSO PROVIDE A FULL RANGE OF CHECKING ACCOUNT PRODUCTS THAT ALLOW OUR MEMBERS TO MANAGE THEIR DAY-TO-DAY FINANCES EFFECTIVELY THROUGH SERVICES SUCH AS DIRECT DEPOSIT OF PAYROLL AND ON-LINE BILL PAYMENT. OUR NETWORK OF 7 BRANCHES PROVIDE EASY ACCESS TO OUR DEPOSIT AS WELL AS OTHERS PRODUCTS. AT 12/31/2025, FIRST CITY CREDIT UNION HAD A TOTAL DEPOSIT BALANCE OF $805,161,868.

• CARD SERVICES: FIRST CITY CREDIT UNION PROVIDES CREDIT CARDS AND DEBIT CARDS TO ITS MEMBERS. THESE CARDS PROVIDE MEMBERS WITH THE CASH MANAGEMENT TOOLS NECESSARY FOR MUCH OF THEIR ONGOING PURCHASES AND BILL PAYMENTS ON A DAILY BASIS. THEY ALSO PROVIDE MEMBERS WITH THE ABILITY TO MANAGE FINANCES WITH A VARIETY OF OPTIONS, E.G., DEFERRING PAYMENTS UNTIL CASH IS AVAILABLE TO PAY OR MAKING PURCHASES WITH A DIRECT DEBIT WHEN PHYSICAL CHECKS ARE NOT ACCEPTED BY A MERCHANT.

As filed on the 2025 return. The filer continues this part on Schedule O, which is not shown here.

Officers and directors · 2025

As listed in Part VII of the 2025 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.

Filings

• 2025

  Revenue

  $44,588,286

  Expenses

  $41,314,625

  Contributions

  $0

  Grants paid

  $0

• 2024

  Revenue

  $41,363,905

  Expenses

  $37,175,695

  Contributions

  $0

  Grants paid

  $0

• 2023

  Revenue

  $38,120,641

  Expenses

  $30,541,292

  Contributions

  $0

  Grants paid

  $0

• 2022

  Revenue

  $29,074,210

  Expenses

  $22,924,054

  Contributions

  $0

  Grants paid

  $0

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

• 2021 · 990

  Revenue

  $39,387,246

  Expenses

  $20,132,973

  Assets (EOY)

  $929,815,680

• 2020 · 990

  Revenue

  $27,272,133

  Expenses

  $23,993,439

  Assets (EOY)

  $838,293,496

• 2019 · 990

  Revenue

  $29,755,374

  Expenses

  $22,890,554

  Assets (EOY)

  $699,529,873

• 2018 · 990

  Revenue

  $28,559,391

  Expenses

  $23,835,809

  Assets (EOY)

  $674,690,055

• 2017 · 990

  Revenue

  $25,642,558

  Expenses

  $22,311,811

  Assets (EOY)

  $649,580,367

• 2016 · 990

  Revenue

  $22,828,442

  Expenses

  $20,631,811

  Assets (EOY)

  $606,855,893

• 2015 · 990

  Revenue

  $21,003,143

  Expenses

  $18,387,369

  Assets (EOY)

  $562,095,592

• 2014 · 990

  Revenue

  $19,971,968

  Expenses

  $18,270,283

  Assets (EOY)

  $527,643,418

• 2013 · 990

  Revenue

  $20,080,023

  Expenses

  $17,539,411

  Assets (EOY)

  $499,994,390

• 2012 · 990

  Revenue

  — not reported

  Expenses

  $18,510,611

  Assets (EOY)

  $486,859,276

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all. Showing the 10 most recent; the API carries the rest.

Grants made

No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.

Grants received

No itemized grant names this organization as a recipient. Only grants over $5,000 are itemized, and only by filers of the full Form 990.

Other IRS files