City Credit Union

Nonprofit profile at a glance

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

17 people listed

SHARON MOORE (PRESIDENT/CEO (LEFT 10/01/25)): $934,576 total reported compensation
DAVID FRITH (PRESIDENT/CEO): $498,823 total reported compensation
MITCHELL CLARK (EVP/COO): $484,054 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

City credit union is a cooperative thrift institution and is a member of the national credit union administration.

Provided loans, deposit accounts and other financial products and services to 34,196 members.

Revenue model: Earned-program. 80% of the money available for current operations came from fees and other program revenue.
Distribution model: Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.

Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
Pay-setting controls: 4 of 6 controls in place; rating input score 67
- Compensation committee: Pass
- Independent consultant: Pass
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Pass
Foreign activity oversight: Limited
Grant itemization coverage: Limited
Major donor itemization: Limited
Related-party transparency: Limited

Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
Governance controls: 9 of 9 controls in place; rating input score 100
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass

Operating margin: 1.4%; rating input score 30; 30th percentile among comparable filings
Total-asset coverage ratio: 15.89; rating input score 90; 90th percentile among comparable filings
Liabilities to assets ratio: 0.88; rating input score 8; 8th percentile among comparable filings
Officer compensation ratio: 8.4%; rating input score 33; 33rd percentile among comparable filings

Program expense growth: Limited
Revenue growth: 5.8% per year; rating input score 100; 48th percentile among comparable filings
Asset growth: 7.5% per year; rating input score 100; 54th percentile among comparable filings

What they do: 1 operating location identified
Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
Governance: 5 of 5 board members independent · 9 of 9 filing controls reported
Programs: 1 filed program accomplishment
Leadership: top reported pay $935K · 17 people listed · 4 of 6 pay-setting controls reported
Highest-paid contractors: 5 contractors listed · $6.5M reported
Consistency: 11 of 11 current checks pass
Schedules: 4 filed schedules · includes executive pay
Filing history: 16 filing years from 2010 to 2025
Contacts: How to reach this organization
Money network: 10 filed money-flow records
Related organizations: 1 filed related-organization link
Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
People: Everyone the filings name, and which of them the filings identify by more than a name.
Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.

Signals prioritize questions for review. They are not findings of misconduct.