Nonprofit · EIN 41-0191495
CITY & COUNTY CREDIT UNION
Tax-exempt · SAINT PAUL, MN 55101
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $58,663,029 | $53,475,199 | $5,187,830 | $1,170,239,692 | $1,061,314,892 | $108,924,800 |
| December 31, 2024 | 990 | $56,581,355 | $53,345,942 | $3,235,413 | $1,190,819,726 | $1,103,973,179 | $86,846,547 |
| December 31, 2023 | 990 | $53,343,575 | $46,368,969 | $6,974,606 | $1,234,462,832 | $1,148,998,460 | $85,464,372 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $46,316,714
- Investment income
- $12,329,815
- Net gain from sales of assets
- -$534,552
- Other revenue
- $16,500
Expenses
- Grants and similar amounts paid
- $0
- Benefits paid to members
- $10,797,793
- Compensation of officers, directors and key employees
- $3,077,975
- Other salaries and wages
- $10,509,742
- Salaries, compensation and benefits (total)
- $17,847,732
- Professional fundraising fees
- $0
- Legal fees
- $105,293
- Accounting fees
- $170,678
- Occupancy
- $2,018,085
- Travel
- $361,950
- Depreciation
- $1,694,705
Balance sheet and other
- Total assets, start of year
- $1,190,819,726
- Total assets, end of year
- $1,170,239,692
- Total liabilities, end of year
- $1,061,314,892
- Net assets, end of year
- $108,924,800
- Land, buildings and equipment
- $20,241,044
- Publicly traded securities
- $274,803,915
- Gross unrelated business income
- $72,554
- Gross receipts
- $65,239,943
- Employees
- 0
- Volunteers
- 0
- Year formed
- 1928
- State of legal domicile
- MN
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| PATRICK PIERCE | PRESIDENT/CEO Officer | 40 | $692,604 | $36,878 |
| THOMAS COULTER | PRESIDENT Officer | 40 | $498,517 | $40,358 |
| ERIC MELLENTHIN | VP INFORMATION TECHNOLOGY Officer | 40 | $318,607 | $39,040 |
| DAVID OLSON | DIRECTOR OF IT & SECURITY Officer | 40 | $273,155 | $36,674 |
| MELISSA SETTEM | VP ACCOUNTING & FINANCE Officer | 40 | $188,986 | $33,145 |
| DANIELLE KONRAD-ARTHUR | VP COMPLIANCE & RISK MGMT Officer | 40 | $186,900 | $22,256 |
| BAILEY GERMAIN | VP BRAND & RETAIL EXPERIEN Officer | 40 | $150,164 | $31,515 |
| ROBIN DOWNING | VP HUMAN RESOURCES Officer | 40 | $161,731 | $19,835 |
| MIKE SHEPARD | VP LENDING Officer | 40 | $151,395 | $19,264 |
| BRANDON BURT | DIRECTOR OF DIGITAL SERVICES Officer | 40 | $157,942 | $8,384 |
| TIMOTHY TREMBLEY | DIRECTOR MORTGAGE SERVICES Highest-paid employee | 40 | $146,859 | $18,839 |
| JOSEPH NEWMASTER | INFRASTRUCTURE MANAGER Highest-paid employee | 40 | $133,518 | $29,349 |
| KEITH YARBROUGH | CORE SYSTEMS ANALYST Highest-paid employee | 40 | $140,024 | $19,649 |
| JENNY LYNCH | DIRECTOR ELECTRONIC SERVIC Highest-paid employee | 40 | $129,886 | $28,181 |
| ANNE SMITH | BUSINESS SERVICES MANAGER Highest-paid employee | 40 | $126,450 | $29,936 |
8 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| LOU BRUNO | BOARD MEMBER- CHAIR Trustee or director, Officer | 3 | $3,838 |
| HANS MOLENAAR | BOARD MEMBER Trustee or director | 1 | $1,974 |
| NICOLE BATES | BOARD MEMBER Trustee or director | 1 | $1,262 |
| HEIDI WOLF | BOARD MEMBER Trustee or director | 0.5 | $882 |
| SHANNON CUNNINGHAM | BOARD MEMBER Trustee or director | 0.5 | $819 |
| CHAD KERLIN | BOARD MEMBER Trustee or director | 0.5 | $719 |
| JOE MATTHEWS | BOARD MEMBER - VICE CHAIR Trustee or director, Officer | 0.5 | $662 |
| AXEL HENRY | BOARD MEMBER Trustee or director | 0.5 | $469 |
990 for the year ended December 31, 2024: 23 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| PATRICK PIERCE | PRESIDENT/CEO Officer | 40 | $693,580 | $33,764 |
| ERIC MELLENTHIN | VP INFORMATION TECHNOLOGY Officer | 40 | $484,065 | $35,139 |
| THOMAS COULTER | EVP OPERATIONS Officer | 40 | $289,015 | $35,265 |
| DAVID OLSON | DIRECTOR OF IT & SECURITY Officer | 40 | $280,296 | $34,207 |
| MARC KILGORE | SVP PROJECT MGMT & IMPROVEMENT Officer | 40 | $252,418 | $26,832 |
| MELISSA SETTEM | VP ACCOUNTING & FINANCE Officer | 40 | $189,492 | $29,948 |
| DANIELLE KONRAD-ARTHUR | VP COMPLIANCE & RISK MGMT Officer | 40 | $182,382 | $19,992 |
| ROBIN DOWNING | VP HUMAN RESOURCES Officer | 40 | $160,975 | $9,189 |
| MARDELL LUTGEN | VP MEMBER EXPERIENCE Officer | 40 | $145,248 | $19,346 |
| KEITH YARBROUGH | CORE SYSTEMS ANALYST Highest-paid employee | 40 | $144,922 | $17,662 |
| TIMOTHY TREMBLEY | DIRECTOR MORTGAGE SERVICES Highest-paid employee | 40 | $142,198 | $19,997 |
| JOSEPH NEWMASTER | INFRASTRUCTURE MANAGER Highest-paid employee | 40 | $144,727 | $14,903 |
| JENNY LYNCH | DIRECTOR ELECTRONIC SERVIC Highest-paid employee | 40 | $132,416 | $27,047 |
| BAILEY GERMAIN | VP BRAND & RETAIL EXPERIENCE Officer | 40 | $131,049 | $25,464 |
| ANNE SMITH | BUSINESS SERVICES MANAGER Highest-paid employee | 40 | $120,538 | $26,155 |
| LOU BRUNO | BOARD MEMBER Trustee or director | 3 | $4,956 | $0 |
| HEIDI WOLF | BOARD MEMBER Trustee or director | 1.5 | $2,172 | $0 |
| NICOLE BATES | BOARD MEMBER Trustee or director | 1 | $1,902 | $0 |
| HANS MOLENAAR | BOARD MEMBER Trustee or director | 1 | $1,792 | $0 |
| JOE MATTHEWS | BOARD MEMBER Trustee or director | 1 | $1,540 | $0 |
| AXEL HENRY | BOARD MEMBER Trustee or director | 1 | $1,248 | $0 |
| SHANNON CUNNINGHAM | BOARD MEMBER Trustee or director | 0.5 | $709 | $0 |
| CHAD KERLIN | BOARD MEMBER Trustee or director | 0.5 | $688 | $0 |
990 for the year ended December 31, 2023: 23 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| PATRICK PIERCE | PRESIDENT Officer | 40 | $915,572 | $34,234 |
| ERIC MELLENTHIN | VP INFORMATION TECHNOLOGY Officer | 40 | $302,580 | $33,730 |
| MARC KILGORE | SVP INFORMATION TECHNOLOGY Officer | 40 | $301,201 | $30,328 |
| DAVID OLSON | DIRECTOR OF IT & SECURITY Highest-paid employee | 40 | $269,337 | $33,181 |
| THOMAS COULTER | EVP OPERATIONS Officer | 40 | $259,717 | $33,337 |
| MELISSA SETTEM | VP ACCOUNTING & FINANCE Officer | 40 | $165,053 | $28,665 |
| STEVEN GALARNEAU | VP INVESTMENTS Officer | 40 | $167,965 | $19,730 |
| DANIELLE KONRAD-ARTHUR | VP COMPLIANCE Officer | 40 | $158,593 | $18,104 |
| ROBIN DOWNING | VP HUMAN RESOURCES Officer | 40 | $148,734 | $8,802 |
| MARDELL LUTGEN | VP MEMBER EXPERIENCE Officer | 40 | $134,893 | $18,391 |
| JOSEPH NEWMASTER | INFRASTRUCTURE MANAGER Highest-paid employee | 40 | $144,132 | $8,363 |
| TIMOTHY TREMBLEY | DIRECTOR MORTGAGE SERVICES Highest-paid employee | 40 | $129,831 | $22,028 |
| JENNY LYNCH | DIRECTOR ELECTRONIC SERVICES Highest-paid employee | 40 | $123,453 | $26,516 |
| BAILEY GERMAIN | VP MARKETING Officer | 40 | $126,523 | $23,294 |
| ANNE SMITH | BUSINESS SERVICES MANAGER Highest-paid employee | 40 | $105,179 | $23,758 |
| LOU BRUNO | BOARD MEMBER Trustee or director | 1.5 | $2,795 | $0 |
| SHANNON CUNNINGHAM | BOARD MEMBER Trustee or director | 1 | $1,858 | $0 |
| HEIDI WOLF | BOARD MEMBER Trustee or director | 1 | $1,831 | $0 |
| JOE MATTHEWS | BOARD MEMBER Trustee or director | 1 | $1,727 | $0 |
| HANS MOLENAAR | BOARD MEMBER Trustee or director | 1 | $1,328 | $0 |
| AXEL HENRY | BOARD MEMBER Trustee or director | 0.5 | $735 | $0 |
| NICOLE BATES | BOARD MEMBER Trustee or director | 0.5 | $728 | $0 |
| CHAD KERLIN | BOARD MEMBER Trustee or director | 0.5 | $683 | $0 |
Address and contacts
- Address (IRS master file)
- 144 11TH ST E, SAINT PAUL, MN 55101-2332
- Principal officer (990 for 2025)
- THOMAS COULTER, 144 11TH ST E, SAINT PAUL, MN 55101
- Signed the 990
- THOMAS COULTER, PRESIDENT
- Phone
- (651) 225-2700
- Website
- WWW.CCCU.COM
- Return prepared by
- CLIFTONLARSONALLEN LLP
Mission
TO CONDUCT THE ORDINARY AND NECESSARY BUSINESS OF A CREDIT UNION INVOLVING THE RECEIVING OF SAVINGS OF MEMBERS AND LENDING MONEY TO MEMBERS FOR PROVIDENT PURPOSES.
Program accomplishments
- THE CREDIT UNION PROVIDED LOANS OF $167 MILLION TO 11,000 MEMBERS.
- THE CREDIT UNION PROVIDES DEPOSIT ACCOUNTS TO 62,180 MEMBERS. THE CREDIT UNION PAID INTEREST AND DIVIDENDS OF $11M ON THESE ACCOUNTS.
- THE CREDIT UNION PROVIDED LOW COST CHECKING AND RELATED SERVICES TO 41,159 MEMBERS.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 41-0191495
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1944
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 0708: CREDIT UNIONS IN THE STATE OF MINNESOTA
- Assets (IRS master file)
- $1,170,239,692
- Income (IRS master file)
- $65,239,943
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $58,663,029 | $53,475,199 | $1,170,239,692 | IRS |
| 990 | December 2024 | $56,581,355 | $53,345,942 | $1,190,819,726 | IRS |
| 990 | December 2023 | $53,343,575 | $46,368,969 | $1,234,462,832 | XML |
| 990 | December 2022 | $39,672,104 | $34,314,006 | $1,208,523,580 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 41-0191495).
Questions about CITY & COUNTY CREDIT UNION
- What is the EIN of CITY & COUNTY CREDIT UNION?
- The employer identification number (EIN) of CITY & COUNTY CREDIT UNION is 41-0191495.
- Is CITY & COUNTY CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1944.
- Are donations to CITY & COUNTY CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does CITY & COUNTY CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of CITY & COUNTY CREDIT UNION due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did CITY & COUNTY CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of CITY & COUNTY CREDIT UNION?
- The 990 for the year ended December 31, 2025 names THOMAS COULTER.
- Who are the officers and directors of CITY & COUNTY CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 23 people; 23 received compensation from the organization, the highest $692,604 (PATRICK PIERCE, PRESIDENT/CEO).
- How much revenue does CITY & COUNTY CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $58,663,029, expenses of $53,475,199 and total assets of $1,170,239,692 at year end.
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