Nonprofit · EIN 75-0275573
FORT WORTH CITY CREDIT UNION
Tax-exempt · FORT WORTH, TX 76185
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $15,777,576 | $12,511,042 | $3,266,534 | $324,654,720 | $285,017,583 | $39,637,137 |
| December 31, 2024 | 990 | $14,204,497 | $12,072,203 | $2,132,294 | $303,096,452 | $266,725,414 | $36,371,038 |
| December 31, 2023 | 990 | $12,382,767 | $10,049,518 | $2,333,249 | $300,482,440 | $267,206,532 | $33,275,908 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $12,512,342
- Investment income
- $3,014,551
- Other revenue
- $250,683
Expenses
- Grants and similar amounts paid
- $2,988
- Compensation of officers, directors and key employees
- $915,191
- Other salaries and wages
- $2,595,778
- Salaries, compensation and benefits (total)
- $4,175,694
- Professional fundraising fees
- $0
- Legal fees
- $12,261
- Accounting fees
- $59,964
- Occupancy
- $572,507
- Depreciation
- $281,306
Balance sheet and other
- Total assets, start of year
- $303,096,452
- Total assets, end of year
- $324,654,720
- Total liabilities, end of year
- $285,017,583
- Net assets, end of year
- $39,637,137
- Land, buildings and equipment
- $1,898,840
- Gross unrelated business income
- $250,683
- Gross receipts
- $15,777,576
- Employees
- 51
- Volunteers
- 9
- Year formed
- 1929
- State of legal domicile
- TX
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 |
|---|---|---|---|---|
| RON FOX | PRESIDENT Officer | 40 | $338,333 | $117,376 |
| MICHELLE JUSTICE | CHIEF FINANCIAL OFFICER Officer | 40 | $189,676 | $49,570 |
| RUSSELL PULLIAM | VICE PRESIDENT LENDING Officer | 40 | $168,036 | $52,198 |
| ROSS GENTIS | VICE PRESIDENT INFORMATION SYSTEM Highest-paid employee | 40 | $154,038 | $48,200 |
| GINGER RENDON | VICE PRESIDENT MEMBER SERVICES Highest-paid employee | 40 | $169,321 | $26,403 |
| SARAH GREEN | VICE PRESIDENT MARKETING Highest-paid employee | 40 | $110,658 | $33,285 |
| ELSA PANIAGUA | CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| J RANDLE HARWOOD | VICE-CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| CHARLES RAMIREZ | SECRETARY/TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| DANA BURGHDOFF | DIRECTOR Trustee or director | 1 | $0 | $0 |
| FELESHIA COCHRAN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| FERNANDO GONZALEZ | DIRECTOR Trustee or director | 1 | $0 | $0 |
| YOLANDA GONZALEZ | DIRECTOR Trustee or director | 1 | $0 | $0 |
| ROBERT P RILEY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| PATRICK SVACINA | DIRECTOR Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 16 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| RON FOX | PRESIDENT & CEO Officer | 40 | $307,223 | $96,967 |
| ROSS GENTIS | VP OF INFORMATION SYSTEM Highest-paid employee | 40 | $139,600 | $55,713 |
| MICHELLE JUSTICE | CHIEF FINANCIAL OFFICER Officer | 40 | $129,373 | $65,123 |
| GINGER RENDON | VP OF MEMBER SERVICES Highest-paid employee | 40 | $113,798 | $48,620 |
| SARAH GREEN | VP OF MARKETING Highest-paid employee | 40 | $103,043 | $34,024 |
| ODIE OZUNA | VP OF LENDING (THRU 8/2024) Officer | 40 | $87,984 | $13,275 |
| RUSSELL PULLIAM | VP OF LENDING (AS OF 10/2024) Officer | 40 | $34,430 | $2,506 |
| ELSA PANIAGUA | CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| RANDLE HARWOOD | VICE CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| CHARLIE RAMIREZ | SEC/TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| FELESHIA COCHRAN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| FERNANDO GONZALEZ | DIRECTOR Trustee or director | 1 | $0 | $0 |
| YOLANDA GONZALEZ | DIRECTOR Trustee or director | 1 | $0 | $0 |
| BOB RILEY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| PAT SVACINA | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DAVID YETT | DIRECTOR Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 14 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| RON FOX | PRESIDENT & CEO Officer | 40 | $291,254 | $100,385 |
| MICHELLE JUSTICE | CHIEF FINANCIAL OFFICER Officer | 40 | $119,866 | $58,671 |
| ROSS GENTIS | VP OF INFORMATION SYSTEM Highest-paid employee | 40 | $131,004 | $46,512 |
| ODIE OZUNA | VP OF LENDING Officer | 40 | $126,083 | $45,812 |
| GINGER RENDON | VP OF MEMBER SERVICES Highest-paid employee | 40 | $107,417 | $25,650 |
| ELSA PANIAGUA | CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| RANDLE HARWOOD | VICE CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| CHARLIE RAMIREZ | SEC/TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| FELESHIA COCHRAN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| FERNANDO GONZALEZ | DIRECTOR Trustee or director | 1 | $0 | $0 |
| YOLANDA GONZALEZ | DIRECTOR Trustee or director | 1 | $0 | $0 |
| BOB RILEY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| PAT SVACINA | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DAVID YETT | DIRECTOR Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 100099, FORT WORTH, TX 76185-0099
- Principal officer (990 for 2025)
- RON FOX, PO BOX 100099, FORT WORTH, TX 761850099
- Signed the 990
- RON FOX, CFO
- Phone
- (817) 732-2803
- Website
- WWW.FWCCU.ORG
- Return prepared by
- CLIFTONLARSONALLEN LLP
Mission
THE CREDIT UNION PROVIDES A VARIETY OF FINANCIAL SERVICES TO ITS MEMBERS. ITS PRIMARY DEPOSIT PRODUCTS ARE SHARE ACCOUNTS, CERTIFICATES OF DEPOSIT, AND SHARE DRAFT ACCOUNTS, WHILE ITS PRIMARY LOAN PRODUCTS ARE SINGLE FAMILY RESIDENCE AND CONSUMER LOANS.
Program accomplishments
- LOANS: PROVIDING CONSUMER LOANS OF ALL TYPES, INCLUDING VEHICLE LOANS, UNSECURED LOANS, AND CREDIT CARDS. ALSO OFFERING RESIDENTIAL MORTGAGES AND SMALL BUSINESS LOANS.
- SHARE SAVINGS ACCOUNTS: PROVIDING SHARE SAVINGS ACCOUNTS TO MEMBERS, OFFERING SPECIAL SHARE SAVINGS ACCOUNTS FOR MINORS.
- CHECKING ACCOUNTS: PROVIDING CHECKING ACCOUNTS WITH VARYING FEATURES. OFFERING BENEFITS SUCH AS ATM ACCESS, DEBIT CARDS AS WELL AS ON-LINE BENEFITS SUCH AS BILL PAYING.
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
- 75-0275573
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1976
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 2742: CREDIT UNION DEPARTMENT OF THE STATE OF TEXAS
- Assets (IRS master file)
- $324,654,720
- Income (IRS master file)
- $15,777,576
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $15,777,576 | $12,511,042 | $324,654,720 | IRS |
| 990 | December 2024 | $14,204,497 | $12,072,203 | $303,096,452 | IRS |
| 990 | December 2023 | $12,382,767 | $10,049,518 | $300,482,440 | XML |
| 990 | December 2022 | $11,089,026 | $8,385,733 | $303,013,348 | 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 75-0275573).
Questions about FORT WORTH CITY CREDIT UNION
- What is the EIN of FORT WORTH CITY CREDIT UNION?
- The employer identification number (EIN) of FORT WORTH CITY CREDIT UNION is 75-0275573.
- Is FORT WORTH CITY CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1976.
- Are donations to FORT WORTH CITY CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does FORT WORTH 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 FORT WORTH 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 FORT WORTH 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 FORT WORTH CITY CREDIT UNION?
- The 990 for the year ended December 31, 2025 names RON FOX.
- Who are the officers and directors of FORT WORTH CITY CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 15 people; 6 received compensation from the organization, the highest $338,333 (RON FOX, PRESIDENT).
- How much revenue does FORT WORTH CITY CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $15,777,576, expenses of $12,511,042 and total assets of $324,654,720 at year end.
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