Nonprofit · EIN 63-0456978
CITY CREDIT UNION
Tax-exempt · TUSCALOOSA, AL 35401
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $1,068,902 | $803,029 | $265,873 | $19,408,276 | $14,440,032 | $4,968,244 |
| December 31, 2024 | 990 | $981,990 | $862,499 | $119,491 | $19,137,811 | $14,435,439 | $4,702,372 |
| December 31, 2023 | 990 | $944,905 | $689,174 | $255,731 | $21,585,822 | $17,002,941 | $4,582,881 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $852,507
- Investment income
- $135,583
- Other revenue
- $80,812
Expenses
- Grants and similar amounts paid
- $0
- Other salaries and wages
- $303,898
- Salaries, compensation and benefits (total)
- $386,918
- Professional fundraising fees
- $0
- Occupancy
- $31,362
- Management and general (functional)
- $803,029
Balance sheet and other
- Total assets, start of year
- $19,137,811
- Total assets, end of year
- $19,408,276
- Total liabilities, end of year
- $14,440,032
- Net assets, end of year
- $4,968,244
- Land, buildings and equipment
- $224,344
- Gross receipts
- $1,068,902
- Employees
- 8
- Volunteers
- 13
- Year formed
- 1950
- State of legal domicile
- AL
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 |
|---|---|---|---|---|
| CASTIE KINARD | MANAGER/CEO Officer | 40 | $75,491 | $14,457 |
| RUSSELL LAWRENCE | SUPERVISORY Officer | 1 | $0 | $0 |
| PHILLIP SIMPSON | SUPERVISORY Officer | 1 | $0 | $0 |
| JACK THOMPSON | SUPERVISORY Officer | 1 | $0 | $0 |
| ERIC DAVIS | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| LESTER WALKER | BOARD PRESID Trustee or director | 1 | $0 | $0 |
| JEAN HAMITER | BOARD VICE P Trustee or director | 1 | $0 | $0 |
| DIANE WYATT | BOARD TREASU Trustee or director | 1 | $0 | $0 |
| MIKE MONTGOMERY | BOARD TREASU Trustee or director | 1 | $0 | $0 |
| MICHELLE CARROLL | CREDIT COMMI Officer | 1 | $0 | $0 |
| BARRY FRANKLIN | CREDIT COMMI Officer | 1 | $0 | $0 |
| EDDIE GOINS | CREDIT COMMI Officer | 1 | $0 | $0 |
| KEITH HARDEMON | CREDIT COMMI Officer | 1 | $0 | $0 |
| MATTHEW ODUM | CREDIT COMMI Officer | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 14 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| CASTIE KINARD | MANAGER/CEO Officer | 40 | $63,408 | $12,730 |
| RUSSELL LAWRENCE | SUPERVISORY Officer | 1 | $0 | $0 |
| PHILLIP SIMPSON | SUPERVISORY Officer | 1 | $0 | $0 |
| JACK THOMPSON | SUPERVISORY Officer | 1 | $0 | $0 |
| ERIC DAVIS | BOARD PRESID Trustee or director | 1 | $0 | $0 |
| LESTER WALKER | BOARD VICE P Trustee or director | 1 | $0 | $0 |
| JEAN HAMITER | BOARD SECRET Trustee or director | 1 | $0 | $0 |
| DIANE WYATT | BOARD TREASU Trustee or director | 1 | $0 | $0 |
| MIKE MONTGOMERY | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MICHELLE CARROLL | CREDIT COMMI Officer | 1 | $0 | $0 |
| BARRY FRANKLIN | CREDIT COMMI Officer | 1 | $0 | $0 |
| EDDIE GOINS | CREDIT COMMI Officer | 1 | $0 | $0 |
| KEITH HARDEMON | CREDIT COMMI Officer | 1 | $0 | $0 |
| NICK LOLLEY | CREDIT COMMI Officer | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 14 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| CASTIE KINARD | MANAGER/CEO Officer | – | $0 |
| RUSSELL LAWRENCE | SUPERVISORY Officer | – | $0 |
| JACK THOMPSON | SUPERVISORY Officer | – | $0 |
| PHILLIP SIMPSON | SUPERVISORY Officer | – | $0 |
| CHARLES MCATEER | BOARD MEMBER Trustee or director | – | $0 |
| MIKE MONTGOMERY | BOARD MEMBER Trustee or director | – | $0 |
| JEROME CROSSLAND | BOARD MEMBER Trustee or director | – | $0 |
| JEAN HAMITER | BOARD MEMBER Trustee or director | – | $0 |
| DIANE WYATT | BOARD MEMBER Trustee or director | – | $0 |
| LESTER WALKER | CREDIT COMMI Officer | – | $0 |
| KEITH HARDEMON | CREDIT COMMI Officer | – | $0 |
| EDDIE GOINS | CREDIT COMMI Officer | – | $0 |
| ERIC DAVIS | CREDIT COMMI Officer | – | $0 |
| NICK LOLLEY | CREDIT COMMI Officer | – | $0 |
Address and contacts
- Address (IRS master file)
- 2302 JACK WARNER PKWY, TUSCALOOSA, AL 35401-1034
- In care of
- % CASTIE KINARD
- Principal officer (990 for 2025)
- CASTIE KINARD, 2302 JACK WARNER PKWY, TUSCALOOSA, AL 35401
- Signed the 990
- CASTIE KINARD, MANAGER/CEO
- Phone
- (205) 349-4209
- Website
- WWW.CCUTUSCALOOSA.COM
- Return prepared by
- CREDIT UNION AUDIT GROUP
Mission
CREDIT UNION - TO PROVIDE SERVICES FOR APPROXIMATELY 1,585 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.
Program accomplishments
- THE CREDIT UNION PROVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERS.Expenses $736,235
- THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.Expenses $66,795
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
- 63-0456978
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1941
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 1422: ALABAMA CREDIT UNION ADMINISTRATION
- Assets (IRS master file)
- $19,408,276
- Income (IRS master file)
- $1,068,902
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $1,068,902 | $803,029 | $19,408,276 | XML |
| 990 | December 2024 | $981,990 | $862,499 | $19,137,811 | IRS |
| 990 | December 2023 | $944,905 | $689,174 | $21,585,822 | XML |
| 990 | December 2022 | $821,644 | $749,553 | $21,143,196 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | 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 63-0456978).
Questions about CITY CREDIT UNION
- What is the EIN of CITY CREDIT UNION?
- The employer identification number (EIN) of CITY CREDIT UNION is 63-0456978.
- Is CITY CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1941.
- Are donations to CITY CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does CITY 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 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 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 CREDIT UNION?
- The 990 for the year ended December 31, 2025 names CASTIE KINARD.
- Who are the officers and directors of CITY CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 14 people; 1 received compensation from the organization, the highest $75,491 (CASTIE KINARD, MANAGER/CEO).
- How much revenue does CITY CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $1,068,902, expenses of $803,029 and total assets of $19,408,276 at year end.
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