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Fort Worth City Credit Union

Organization summary

Type of Nonprofit

Designated as a State-chartered credit unions and mutual reserve funds.

Donations to this organization are not tax deductible.

Details

According to its Dec. 2023 tax filing, this nonprofit:

Reported conflict of interest transactions
Organizations must report loans, grants or business transactions with interested parties, which may include key employees and officers, their family members and any businesses in which they hold a controlling interest. These transactions must be reported on Schedule L.

Summary charts: organization finances over time

Revenue
$12.4M (2023)

Expenses
$10M (2023)

Total Assets
$300M (2023)

Total Liabilities
$267M (2023)

Source: Form 990 tax filings from 2011 to 2023

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$12,382,767
Expenses
$10,049,518
Net Income
$2,333,249
Net Assets
$33,275,908
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $9,614,521
77.6%
Investment Income $2,597,981
21.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $170,265
1.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $742,070
7.4%
Professional Fundraising Fees $0
Other Salaries and Wages $2,372,605
23.6%
Assets/Debt
Total Assets $300,482,440
Total Liabilities $267,206,532
Net Assets $33,275,908
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Ron Fox (President & Ceo) $291,254 $0 $100,385
Ross Gentis (Vp Of Information System) $131,004 $0 $46,512
Odie Ozuna (Vp Of Lending) $126,083 $0 $45,812
Michelle Justice (Chief Financial Officer) $119,866 $0 $58,671
Ginger Rendon (Vp Of Member Services) $107,417 $0 $25,650
Elsa Paniagua (Chair) $0 $0 $0
Randle Harwood (Vice Chair) $0 $0 $0
Charlie Ramirez (Sec/Treasurer) $0 $0 $0
Feleshia Cochran (Director) $0 $0 $0
Fernando Gonzalez (Director) $0 $0 $0
Yolanda Gonzalez (Director) $0 $0 $0
Bob Riley (Director) $0 $0 $0
Pat Svacina (Director) $0 $0 $0
David Yett (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$11,089,026
Expenses
$8,385,733
Net Income
$2,703,293
Net Assets
$31,407,511
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $8,357,165
75.4%
Investment Income $2,243,677
20.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $488,184
4.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $604,745
7.2%
Professional Fundraising Fees $0
Other Salaries and Wages $2,106,240
25.1%
Assets/Debt
Total Assets $303,013,348
Total Liabilities $271,605,837
Net Assets $31,407,511
Other
Provided first-class or charter travel
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Ron Fox (President & Ceo) $277,213 $0 $73,518
Ross Gentis (Vp Of Information Systems) $129,923 $0 $34,552
Michelle Justice (Chief Financial Officer) $114,179 $0 $68,187
Ginger Rendon (Vp Of Member Services) $103,932 $0 $14,033
Odie Ozuna (Vp Of Lending) $40,780 $0 $15,623
Quenecia Dupart (Vp Of Lending) $38,826 $0 $679
Elsa Paniagua (Chairman) $0 $0 $0
Randle Harwood (Vice Chair) $0 $0 $0
Charlie Ramirez (Sec/Treasurer) $0 $0 $0
Feleshia Cochran (Director) $0 $0 $0
Fernando Gonzalez (Director) $0 $0 $0
Yolanda Gonzalez (Director) $0 $0 $0
Bob Riley (Director) $0 $0 $0
Pat Svacina (Director) $0 $0 $0
David Yett (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$9,680,681
Expenses
$7,567,815
Net Income
$2,112,866
Net Assets
$27,614,443
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,140,426
73.8%
Investment Income $1,849,823
19.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $690,432
7.1%
Notable Expenses Percent of Total Expenses
Executive Compensation $728,586
9.6%
Professional Fundraising Fees $0
Other Salaries and Wages $1,927,858
25.5%
Assets/Debt
Total Assets $291,322,643
Total Liabilities $263,708,200
Net Assets $27,614,443
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Ron Fox (President & Ceo) $257,498 $0 $176,984
Ross Gentis (Vp Of Information Systems) $124,071 $0 $35,649
Michelle Justice (Chief Financial Officer) $108,520 $0 $47,881
Quenecia Dupart (Vp Of Lending) $92,346 $0 $22,421
Randall Wooley (Vp Of Lending) $17,336 $0 $2,571
David Clay (Vp Of Lending) $10,097 $0 $0
Elsa Paniagua (Chairman) $0 $0 $0
Randle Harwood (Vice Chair) $0 $0 $0
Charlie Ramirez (Sec/Treasurer) $0 $0 $0
Feleshia Cochran (Director) $0 $0 $0
Fernando Gonzalez (Director) $0 $0 $0
Yolanda Gonzalez (Director) $0 $0 $0
Bob Riley (Director) $0 $0 $0
Pat Svacina (Director) $0 $0 $0
David Yett (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$9,400,902
Expenses
$7,346,650
Net Income
$2,054,252
Net Assets
$25,028,685
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $6,722,174
71.5%
Investment Income $2,153,360
22.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $525,368
5.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $783,096
10.7%
Professional Fundraising Fees $0
Other Salaries and Wages $1,607,070
21.9%
Assets/Debt
Total Assets $249,852,822
Total Liabilities $224,824,137
Net Assets $25,028,685
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Ron Fox (President & Ceo) $255,437 $0 $159,779
David Clay (Vp Of Lending) $166,666 $0 $51,606
Michelle Justice (Chief Financial Officer) $106,582 $0 $37,952
Randall Wooley (Vp Of Lending) $11,274 $0 $1,613
Elsa Paniagua (Chairman) $0 $0 $0
Randle Harwood (Vice Chair) $0 $0 $0
Charles Ramirez (Sec/Treasurer) $0 $0 $0
Bob Riley (Director) $0 $0 $0
Fernando Gonzalez (Director) $0 $0 $0
Yolanda Gonzalez (Director) $0 $0 $0
Patrick Svacina (Director) $0 $0 $0
David Yett (Director) $0 $0 $0
Felishia Cochran (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$9,310,427
Expenses
$7,877,908
Net Income
$1,432,519
Net Assets
$24,013,720
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $6,690,381
71.9%
Investment Income $2,445,875
26.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $174,171
1.9%
Notable Expenses Percent of Total Expenses
Executive Compensation $629,271
8.0%
Professional Fundraising Fees $0
Other Salaries and Wages $1,945,997
24.7%
Assets/Debt
Total Assets $212,006,392
Total Liabilities $187,992,672
Net Assets $24,013,720
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Ron Fox (President & Ceo) $233,953 $0 $131,155
David Clay (Vp Of Lending) $112,027 $0 $28,072
Duane Dixon (Vp Of Information System) $101,284 $0 $36,504
Michelle Justice (Chief Financial Officer) $99,828 $0 $30,507
Elsa Paniagua (Chairman) $0 $0 $0
Randle Harwood (Vice Chair) $0 $0 $0
Charles Ramirez (Sec/Treasurer) $0 $0 $0
Bob Riley (Director) $0 $0 $0
Fernando Gonzalez (Director) $0 $0 $0
Yolanda Gonzalez (Director) $0 $0 $0
Patrick Svacina (Director) $0 $0 $0
David Yett (Director) $0 $0 $0
Felishia Cochran (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$8,562,938
Expenses
$6,735,051
Net Income
$1,827,887
Net Assets
$22,842,310
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $6,240,417
72.9%
Investment Income $2,039,190
23.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $283,331
3.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $666,547
9.9%
Professional Fundraising Fees $0
Other Salaries and Wages $1,647,018
24.5%
Assets/Debt
Total Assets $203,237,621
Total Liabilities $180,395,311
Net Assets $22,842,310
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Ron Fox (President & Ceo) $226,831 $0 $143,922
David Clay (Vp Of Lending) $106,626 $0 $73,132
Michelle Justice (Chief Financial Officer) $93,645 $0 $23,591
Elsa Paniagua (Chairman) $0 $0 $0
Randle Harwood (Vice Chair) $0 $0 $0
Deidra Emerson (Sec/Treasurer (Outgoing)) $0 $0 $0
Charles Ramirez (Sec/Treasurer (Incoming)) $0 $0 $0
Bob Riley (Director) $0 $0 $0
Fernando Gonzalez (Director) $0 $0 $0
Yolanda Gonzalez (Director) $0 $0 $0
Patrick Svacina (Director) $0 $0 $0
David Yett (Director) $0 $0 $0
Felishia Cochran (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,569,133
Expenses
$6,017,663
Net Income
$1,551,470
Net Assets
$21,759,316
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,795,713
76.6%
Investment Income $1,646,097
21.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $127,323
1.7%
Notable Expenses Percent of Total Expenses
Executive Compensation $621,819
10.3%
Professional Fundraising Fees $0
Other Salaries and Wages $1,543,865
25.7%
Assets/Debt
Total Assets $188,619,976
Total Liabilities $166,860,660
Net Assets $21,759,316
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Ron Fox (President & Ceo) $216,956 $0 $127,299
David Clay (Vp Of Lending) $104,504 $0 $67,684
Michelle Justice (Chief Financial Officer) $86,016 $0 $20,559
Elsa Paniagua (Chairman) $0 $0 $0
Randle Harwood (Vice Chair) $0 $0 $0
Deidra Emerson (Sec/Treasurer) $0 $0 $0
Charles Ramirez (Director) $0 $0 $0
Bob Riley (Director) $0 $0 $0
Fernando Gonzalez (Director) $0 $0 $0
Yolanda Gonzalez (Director) $0 $0 $0
Patrick Svacina (Director) $0 $0 $0
David Yett (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,157,240
Expenses
$6,006,695
Net Income
$1,150,545
Net Assets
$20,267,181
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,604,779
78.3%
Investment Income $1,397,099
19.5%
Bond Proceeds $0
Royalties $46
0.0%
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $155,316
2.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $587,160
9.8%
Professional Fundraising Fees $0
Other Salaries and Wages $1,467,032
24.4%
Assets/Debt
Total Assets $184,768,865
Total Liabilities $164,501,684
Net Assets $20,267,181
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Ron Fox (President & Ceo) $207,982 $0 $108,345
David Clay (Vp Of Lending) $101,694 $0 $69,391
Michelle Justice (Chief Financial Officer) $86,522 $0 $21,160
Elsa Paniagua (Chairman) $0 $0 $0
Randle Harwood (Vice Chair) $0 $0 $0
Deidra Emerson (Sec/Treasurer) $0 $0 $0
Charles Ramirez (Director) $0 $0 $0
Bob Riley (Director) $0 $0 $0
Fernando Gonzalez (Director) $0 $0 $0
Yolanda Gonzalez (Director) $0 $0 $0
Patrick Svacina (Director) $0 $0 $0
David Yett (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$6,847,688
Expenses
$5,690,054
Net Income
$1,157,634
Net Assets
$19,002,022
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,427,148
79.3%
Investment Income $1,240,623
18.1%
Bond Proceeds $0
Royalties $306
0.0%
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $179,611
2.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $544,621
9.6%
Professional Fundraising Fees $0
Other Salaries and Wages $1,454,883
25.6%
Assets/Debt
Total Assets $165,016,853
Total Liabilities $146,014,831
Net Assets $19,002,022

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$6,706,012
Expenses
$5,204,173
Net Income
$1,501,839
Net Assets
$17,575,311
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,471,958
81.6%
Investment Income $1,151,681
17.2%
Bond Proceeds $0
Royalties $545
0.0%
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $81,828
1.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $495,565
9.5%
Professional Fundraising Fees $0
Other Salaries and Wages $1,345,734
25.9%
Assets/Debt
Total Assets $149,984,689
Total Liabilities $132,409,378
Net Assets $17,575,311
Compensation
Key Employees and Officers Compensation Related Other
Ron Fox (President & Ceo) $190,161 $0 $81,234
David Clay (Vp Of Lending) $95,506 $0 $41,211
Michelle Justice (Vp Of Finance) $76,580 $0 $10,875
Charles Ramirez (Director) $0 $0 $0
Bob Riley (Director) $0 $0 $0
Elsa Paniagua (Chairman) $0 $0 $0
Fernando Gonzalez (Director) $0 $0 $0
Yolanda Gonzalez (Director) $0 $0 $0
Patrick Svacina (Director) $0 $0 $0
David Yett (Director) $0 $0 $0
Randle Harwood (Vice Chair) $0 $0 $0
Deidra Emerson (Sec/Treasurer) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$6,321,481
Expenses
$5,109,025
Net Income
$1,212,456
Net Assets
$16,391,813
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,103,360
80.7%
Investment Income $1,120,573
17.7%
Bond Proceeds $0
Royalties $18,468
0.3%
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $79,080
1.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $333,706
6.5%
Professional Fundraising Fees $0
Other Salaries and Wages $1,428,462
28.0%
Assets/Debt
Total Assets $141,213,716
Total Liabilities $124,821,903
Net Assets $16,391,813
Compensation
Key Employees and Officers Compensation Related Other
Ron Fox (President & Ceo) $181,955 $0 $71,147
Michelle Justice (Vp Of Finance) $70,613 $0 $9,990
Charles Ramirez (Director) $0 $0 $0
Bob Riley (Sec/Treasurer) $0 $0 $0
Elsa Paniagua (Chairman) $0 $0 $0
Fernando Gonzalez (Director) $0 $0 $0
Yolanda Gonzalez (Director) $0 $0 $0
Patrick Svacina (Director) $0 $0 $0
David Yett (Director) $0 $0 $0
Randle Harwood (Vice Chair) $0 $0 $0
Deidra Emerson (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$6,431,675
Expenses
$5,007,234
Net Income
$1,424,441
Net Assets
$14,516,075
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,975,263
77.4%
Investment Income $1,273,705
19.8%
Bond Proceeds $0
Royalties $18,468
0.3%
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $164,239
2.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $330,238
6.6%
Professional Fundraising Fees $0
Other Salaries and Wages $1,218,429
24.3%
Assets/Debt
Total Assets $132,868,292
Total Liabilities $118,352,217
Net Assets $14,516,075

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$6,377,998
Expenses
$5,262,917
Net Income
$1,115,081
Net Assets
$12,945,849
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,705,104
73.8%
Investment Income $1,509,780
23.7%
Bond Proceeds $0
Royalties $18,468
0.3%
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $144,646
2.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $323,481
6.1%
Professional Fundraising Fees $0
Other Salaries and Wages $1,334,638
25.4%
Assets/Debt
Total Assets $123,157,012
Total Liabilities $110,211,163
Net Assets $12,945,849

Document Links

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

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For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
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  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
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