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First 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. 2022 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
$29.1M (2022)

Expenses
$22.9M (2022)

Total Assets
$887M (2022)

Total Liabilities
$836M (2022)

Source: Form 990 tax filings from 2011 to 2022

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.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$29,074,210
Expenses
$22,924,054
Net Income
$6,150,156
Net Assets
$51,014,561
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $19,926,792
68.5%
Investment Income $9,147,418
31.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,022,355
4.5%
Professional Fundraising Fees $0
Other Salaries and Wages $7,247,708
31.6%
Assets/Debt
Total Assets $886,615,777
Total Liabilities $835,601,216
Net Assets $51,014,561
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Lourdes Ruano (Evp/Cfo) $320,643 $0 $49,464
Navneet Khanna (Ceo) $313,320 $0 $35,733
Michael Wilkins (Svp/Coo) $250,383 $0 $52,813
James Miller (Former Ceo) $243,082 $0 $9,041
Fred Perez (Svp/Clo) $203,649 $0 $40,217
Qamar Noory (Vp/Cio) $189,938 $0 $19,030
David Wong (Vp/Cmo) $174,817 $0 $14,311
Mary Rubio (Vp Of Human Resources) $169,484 $0 $17,682
Tram Nguyen (Vp Of Financial Services) $165,432 $0 $17,435
Michael Steinberger (Chair) $0 $0 $0
Willa Glover (Vice Chair) $0 $0 $0
John Benedict (Secretary) $0 $0 $0
Barbara Oliver (Treasurer) $0 $0 $0
Carolyn Bernardez (Director) $0 $0 $0
Marisa Lopez (Director) $0 $0 $0
Christopher Anderson (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$39,387,246
Expenses
$20,132,973
Net Income
$19,254,273
Net Assets
$101,043,552
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $20,801,979
52.8%
Investment Income $6,410,643
16.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $3,412
0.0%
Net Fundraising $0
Sales of Assets $12,171,212
30.9%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,175,204
5.8%
Professional Fundraising Fees $0
Other Salaries and Wages $6,592,134
32.7%
Assets/Debt
Total Assets $929,815,680
Total Liabilities $828,772,128
Net Assets $101,043,552
Compensation
Key Employees and Officers Compensation Related Other
James Miller (Ceo) $550,592 $0 $20,819
Lourdes Ruano (Evp/Cfo) $287,621 $0 $37,085
Michael Wilkins (Svp/Coo) $222,592 $0 $43,769
Qamar Noory (Vp/Cio) $175,169 $0 $13,274
David Wong (Vp/Cmo) $162,046 $0 $11,395
Tram Nguyen (Vp Of Financial Services) $157,275 $0 $12,241
Mary Rubio (Vp Of Human Resources) $155,213 $0 $12,405
David Kim (Vp/Re) $150,827 $0 $15,883
Michael Steinberger (Chair) $0 $0 $0
Willa Glover (Vice Chair) $0 $0 $0
John Benedict (Secretary) $0 $0 $0
Barbara Oliver (Treasurer) $0 $0 $0
Carolyn Bernardez (Director) $0 $0 $0
Marisa Lopez (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$27,272,133
Expenses
$23,993,439
Net Income
$3,278,694
Net Assets
$94,946,670
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $19,807,050
72.6%
Investment Income $7,165,533
26.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $71,537
0.3%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $228,013
0.8%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,323,050
5.5%
Professional Fundraising Fees $0
Other Salaries and Wages $6,388,145
26.6%
Assets/Debt
Total Assets $838,293,496
Total Liabilities $743,346,826
Net Assets $94,946,670
Compensation
Key Employees and Officers Compensation Related Other
James Miller (Ceo) $636,020 $0 $31,153
Lourdes Ruano (Evp/Cfo) $299,194 $0 $42,519
Michael Wilkins (Svp/Coo) $238,047 $0 $62,140
Scott Hotland (Vp Of Slo (Until 11/27/20)) $201,735 $0 $31,840
David Wong (Vp/Cmo) $193,069 $0 $15,706
Qamar Noory (Vp/Cio) $192,032 $0 $16,849
Tram Nguyen (Vp Of Financial Services) $162,788 $0 $14,783
Mary Rubio (Vp Of Human Resources) $154,929 $0 $15,056
Willa J Glover (Chair) $0 $0 $0
Barbara Oliver (Vice Chair) $0 $0 $0
James D Likens (Treasurer) $0 $0 $0
Michael D Steinberger (Secretary) $0 $0 $0
John S Benedict (Director) $0 $0 $0
Carolyn Bernardez (Director) $0 $0 $0
Marisa Lopez (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$29,755,374
Expenses
$22,890,554
Net Income
$6,864,820
Net Assets
$86,114,717
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $21,615,689
72.6%
Investment Income $7,793,838
26.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $127,104
0.4%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $218,743
0.7%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,193,915
5.2%
Professional Fundraising Fees $0
Other Salaries and Wages $6,807,144
29.7%
Assets/Debt
Total Assets $699,529,873
Total Liabilities $613,415,156
Net Assets $86,114,717
Compensation
Key Employees and Officers Compensation Related Other
James Miller (Ceo) $585,405 $0 $30,565
Lourdes Ruano (Evp/Cfo) $253,773 $0 $39,638
Michael Wilkins (Coo) $215,510 $0 $63,479
Qamar Noory (Vp Of Information Systems) $164,291 $0 $16,594
David Wong (Vp Of Marketing) $157,402 $0 $15,493
Tram Nguyen (Vp Of Financial Services) $148,850 $0 $14,758
Mary Rubio (Vp Of Human Resources) $132,122 $0 $14,587
Mary Bolose (Vp Of Member Services) $126,068 $0 $33,243
Willa J Glover (Chair) $0 $0 $0
Barbara Oliver (Vice Chair) $0 $0 $0
James D Likens (Treasurer) $0 $0 $0
Michael D Steinberger (Secretary) $0 $0 $0
John S Benedict (Director) $0 $0 $0
Carolyn Bernardez (Director) $0 $0 $0
Marisa Lopez (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$28,559,391
Expenses
$23,835,809
Net Income
$4,723,582
Net Assets
$73,305,495
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $22,205,767
77.8%
Investment Income $5,790,306
20.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $138,762
0.5%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $424,556
1.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $1,037,053
4.4%
Professional Fundraising Fees $0
Other Salaries and Wages $6,534,982
27.4%
Assets/Debt
Total Assets $674,690,055
Total Liabilities $601,384,560
Net Assets $73,305,495
Compensation
Key Employees and Officers Compensation Related Other
James Miller (Ceo) $497,423 $0 $27,271
Lourdes Ruano (Svp/Cfo) $221,870 $0 $38,400
Michael Wilkins (Coo) $186,907 $0 $59,341
Qamar Noory (Vp Of Information Systems) $159,156 $0 $15,142
David Wong (Vp Of Marketing) $140,186 $0 $14,192
Tram Nguyen (Vp Of Financial Services) $132,501 $0 $13,161
Scott Holland (Vp Of Lending) $112,827 $0 $28,811
Mary Rubio (Vp Of Human Resources) $110,605 $0 $12,642
Willa J Glover (Chair) $0 $0 $0
Barbara Oliver (Vice Chair) $0 $0 $0
James D Likens (Treasurer) $0 $0 $0
Michael D Steinberger (Secretary) $0 $0 $0
John S Benedict (Director) $0 $0 $0
Carolyn Bernardez (Director) $0 $0 $0
Marisa Lopez (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$25,642,558
Expenses
$22,311,811
Net Income
$3,330,747
Net Assets
$70,248,051
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $21,692,165
84.6%
Investment Income $3,639,354
14.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $130,011
0.5%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $181,028
0.7%
Notable Expenses Percent of Total Expenses
Executive Compensation $993,930
4.5%
Professional Fundraising Fees $0
Other Salaries and Wages $6,123,803
27.4%
Assets/Debt
Total Assets $649,580,367
Total Liabilities $579,332,316
Net Assets $70,248,051
Compensation
Key Employees and Officers Compensation Related Other
James Miller (Ceo) $527,573 $0 $23,837
Lourdes Ruano (Svp/Cfo) $151,956 $0 $24,086
Qamar Noory (Vp Of Information Systems) $149,601 $0 $13,863
David Wong (Vp Of Marketing) $140,715 $0 $12,966
Tram Nguyen (Vp Of Financial Services) $139,931 $0 $12,469
Scott Holland (Vp Of Lending) $121,340 $0 $24,953
Mary Rubio (Vp Of Human Resources) $118,181 $0 $12,085
Steven Gilner (Coo (Retired)) $110,729 $0 $6,136
Michael Wilkins (Coo) $80,189 $0 $17,828
Terry O'steen (President/Ceo (Retired Jan 6, 2017)) $42,071 $0 $4,215
Willa J Glover (Chair) $0 $0 $0
Barbara Oliver (Vice Chair) $0 $0 $0
Joseph R Millner Jr (Treasurer) $0 $0 $0
Michael D Steinberger (Secretary) $0 $0 $0
James D Likens (Director) $0 $0 $0
John S Benedict (Director) $0 $0 $0
Marisa Lopez (Director) $0 $0 $0
Carrol Leaonard (Director (End June 2017)) $0 $0 $0
Robert Ciulik (Director (End August 2017)) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$22,828,442
Expenses
$20,631,811
Net Income
$2,196,631
Net Assets
$67,908,178
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $19,989,311
87.6%
Investment Income $2,725,027
11.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $114,104
0.5%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,063,206
5.2%
Professional Fundraising Fees $0
Other Salaries and Wages $5,876,865
28.5%
Assets/Debt
Total Assets $606,855,893
Total Liabilities $538,947,715
Net Assets $67,908,178
Compensation
Key Employees and Officers Compensation Related Other
Terry O'steen (Ceo) $534,509 $0 $43,179
James Miller (Evp/Cfo) $240,689 $0 $22,444
Steven Gilner (Svp/Internal Services) $196,396 $0 $19,859
Qamar Noory (Vp Of Information Systems) $141,319 $0 $12,905
Tram Nguyen (Vp Of Financial Services) $136,716 $0 $13,805
David Wong (Vp Of Marketing) $134,411 $0 $12,002
Scott Holland (Vp Of Lending) $111,370 $0 $24,428
Mary Bolose (Vp Of Member Services) $106,967 $0 $26,924
Willa J Glover (Chair) $0 $0 $0
Barbara Oliver (Vice Chair) $0 $0 $0
Joseph R Millner Jr (Treasurer) $0 $0 $0
Alison Birnie (Secretary) $0 $0 $0
James D Likens (Director) $0 $0 $0
Robert J Ciulik (Director) $0 $0 $0
Carrol E Leaonard (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$21,003,143
Expenses
$18,387,369
Net Income
$2,615,774
Net Assets
$65,969,287
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $18,389,749
87.6%
Investment Income $2,489,253
11.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $124,091
0.6%
Net Fundraising $0
Sales of Assets $50
0.0%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $997,714
5.4%
Professional Fundraising Fees $0
Other Salaries and Wages $5,551,379
30.2%
Assets/Debt
Total Assets $562,095,592
Total Liabilities $496,126,305
Net Assets $65,969,287
Compensation
Key Employees and Officers Compensation Related Other
Terry O'steen (Ceo) $487,608 $0 $41,051
James Miller (Svp/Cfo) $230,969 $0 $21,325
Steven Gilner (Svp/Internal Services) $192,260 $0 $18,646
Qamar Noory (Vp Of Information Systems) $137,258 $0 $12,230
David Wong (Vp Of Marketing) $126,325 $0 $11,132
Tram Nguyen (Vp Of Financial Services) $124,318 $0 $17,574
Mary Bolose (Vp Of Member Services) $102,399 $0 $23,469
Carrol E Leonard (Chair) $0 $0 $0
Barbara Oliver (Vice Chair) $0 $0 $0
Joseph R Millner Jr (Treasurer) $0 $0 $0
Alison Birnie (Secretary) $0 $0 $0
James D Likens (Director) $0 $0 $0
Robert J Ciulik (Director) $0 $0 $0
Willa J Glover (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$19,971,968
Expenses
$18,270,283
Net Income
$1,701,685
Net Assets
$63,059,087
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $17,562,644
87.9%
Investment Income $2,698,344
13.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $119,869
0.6%
Net Fundraising $0
Sales of Assets -$408,889
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $966,715
5.3%
Professional Fundraising Fees $0
Other Salaries and Wages $5,609,683
30.7%
Assets/Debt
Total Assets $527,643,418
Total Liabilities $464,584,331
Net Assets $63,059,087
Compensation
Key Employees and Officers Compensation Related Other
Terry O'steen (Ceo) $486,261 $0 $38,046
James Miller (Svp/Cfo) $223,442 $0 $19,442
Steven Gilner (Svp/Internal Services) $175,059 $0 $16,911
Qamar Noory (Vp Of Information Sistems) $134,523 $0 $11,333
Tram Nguyen (Vp Of Financial Services) $126,177 $0 $16,775
David Wong (Vp Of Marketing) $125,447 $0 $10,623
Mary Bolose (Vp Of Member Services) $103,877 $0 $21,778
James D Likens (Chair) $0 $0 $0
Carrol E Leonard (Vice Chair) $0 $0 $0
Joseph R Millner Jr (Treasurer) $0 $0 $0
Barbara Oliver (Secretary) $0 $0 $0
Willa J Glover (Board Member) $0 $0 $0
Alison Birnie (Board Member) $0 $0 $0
Robert J Ciulik (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$20,080,023
Expenses
$17,539,411
Net Income
$2,540,612
Net Assets
$58,733,724
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $17,545,434
87.4%
Investment Income $2,416,202
12.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $118,387
0.6%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $894,763
5.1%
Professional Fundraising Fees $0
Other Salaries and Wages $5,548,238
31.6%
Assets/Debt
Total Assets $499,994,390
Total Liabilities $441,260,666
Net Assets $58,733,724
Compensation
Key Employees and Officers Compensation Related Other
Terry O'steen (Ceo) $431,224 $0 $39,484
James Miller (Svp/Cfo) $220,506 $0 $21,751
Steven Gilner (Svp/Internal Services) $164,468 $0 $17,330
Qamar Noory (Vp Of Information Sistems) $133,300 $0 $11,164
David Wong (Vp Of Marketing) $124,299 $0 $0
Tram Nguyen (Vp Of Financial Services) $119,712 $0 $15,506
Mary Bolose (Vp Of Member Services) $100,890 $0 $0
James D Likens (Chair) $0 $0 $0
Carrol E Leonard (Vice Chair) $0 $0 $0
Joseph R Millner Jr (Treasurer) $0 $0 $0
Barbara Oliver (Secretary) $0 $0 $0
Willa J Glover (Board Member) $0 $0 $0
Alison Birnie (Board Member) $0 $0 $0
Robert J Ciulik (Board Member) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$21,443,881
Expenses
$18,510,611
Net Income
$2,933,270
Net Assets
$60,167,440
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $18,986,923
88.5%
Investment Income $2,347,667
10.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $109,291
0.5%
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $845,469
4.6%
Professional Fundraising Fees $0
Other Salaries and Wages $5,505,747
29.7%
Assets/Debt
Total Assets $486,859,276
Total Liabilities $426,691,836
Net Assets $60,167,440

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$22,842,027
Expenses
$18,803,897
Net Income
$4,038,130
Net Assets
$56,758,917
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $19,837,848
86.8%
Investment Income $3,004,179
13.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $870,130
4.6%
Professional Fundraising Fees $0
Other Salaries and Wages $5,462,599
29.1%
Assets/Debt
Total Assets $463,378,262
Total Liabilities $406,619,345
Net Assets $56,758,917

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

Fiscal Year Ending Dec.
2005

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.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • 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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  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

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