City & County Credit Union
501(c)(14)
Only null% goes to programs Strong reserves Growing revenue
City & County Credit Union is a 501(c)(14) organization based in Saint Paul, Minnesota, registered in 1944, with $56,581,355 in FY2024 revenue. CharityIndex grades it B.
144 11th St E, Saint Paul, MN, 55101 EIN 41-0191495 Since 1944
Revenue (FY2024)
$56.6M
▲ 6.1% vs prior year
Expenses (FY2024)
$53.3M
Net assets
$86.8M
Employees
—
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
B
★★★★
Rated on 2 of 4 criteria — the rest aren't reported in this filing type.
Held down by its weakest criterion — a strong score on one criterion can't hide a weak one.
How the rating works →—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for City & County Credit Union— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
AFinancial health25% of the rating20 mo reserves · +6% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For City & County Credit Union: 20 mo reserves · +6% margin earns a A on this criterion. See the exact thresholds →
—Governance25% of the ratingNot reported in this filing type
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. Not scored for City & County Credit Union— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
CTransparency10% of the rating2 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For City & County Credit Union: 2 of 5 disclosure signals earns a C on this criterion. See the exact thresholds →
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Contact & location
- Address
- 144 11th St E, Saint Paul, MN, 55101
- City
- Saint Paul
- State
- Minnesota
- Category
- —
- Subcategory
- —
- Website
- …
Financial trends
Revenue grew from $19.6M (FY2013) to $56.6M (FY2024) across 12 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $1.1BNet assets $86.8M
Operating margin
5.7%
Revenue exceeded expenses in the latest fiscal year.
Total assets
$1.2B
Total liabilities
$1.1B
Net assets
$86.8M
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $56,581,355▲6.1% | $53,345,942▲15.0% | $86,846,547▲1.6% | $1,190,819,726▼3.5% | 990 |
| 2023 | $53,343,575▲34.5% | $46,368,969▲35.1% | $85,464,372▲18.2% | $1,234,462,832▲2.1% | 990 |
| 2022 | $39,672,104▼3.7% | $34,314,006▲7.2% | $72,295,975▼36.7% | $1,208,523,580▲3.3% | 990 |
| 2021 | $41,175,696▼9.2% | $31,996,678▼13.4% | $114,162,685▼0.5% | $1,170,197,946▲9.9% | 990 |
| 2020 | $45,371,383▲8.5% | $36,938,691▼0.6% | $114,750,104▲11.1% | $1,064,843,599▲19.2% | 990 |
| 2019 | $41,803,888▲69.8% | $37,149,333▲73.5% | $103,331,596▲92.9% | $893,591,689▲62.8% | 990 |
| 2018 | $24,617,905▲12.9% | $21,416,661▲7.3% | $53,566,748▲5.0% | $548,804,427▲5.4% | 990 |
| 2017 | $21,797,811▲6.2% | $19,957,066▲8.5% | $51,012,360▲2.4% | $520,612,435▲6.1% | 990 |
| 2016 | $20,522,776▲7.3% | $18,388,713▲12.5% | $49,807,814▲3.0% | $490,890,482▲7.3% | 990 |
| 2015 | $19,118,756▼1.7% | $16,338,545▼2.5% | $48,352,430▲5.7% | $457,457,683▲7.7% | 990 |
| 2014 | $19,458,703▼0.7% | $16,753,786▼3.2% | $45,739,435▲5.3% | $424,942,713▲6.7% | 990 |
| 2013 | $19,604,696 | $17,315,221▲19.3% | $43,454,776▲3.7% | $398,233,877▲4.7% | 990 |
| 2012 | — | $14,508,180▲2.6% | $41,916,459▲11.1% | $380,510,215▲7.2% | 990 |
| 2011 | — | $14,136,061▼19.9% | $37,729,963▲10.3% | $355,053,894▲2.9% | 990 |
| 2010 | — | $17,652,019 | $34,213,215 | $344,903,935 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Frequently asked questions
- Is City & County Credit Union a legitimate nonprofit?
- Yes. City & County Credit Union is a 501(c)(14) organization registered with the U.S. Internal Revenue Service under EIN 41-0191495, based in Saint Paul, Minnesota.
- What is City & County Credit Union's EIN?
- City & County Credit Union's Employer Identification Number (EIN) is 41-0191495.
- How much revenue does City & County Credit Union report?
- City & County Credit Union reported $56,581,355 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- What financial grade does City & County Credit Union have?
- CharityIndex grades City & County Credit Union B, based on financial health (reserves and operating margin).
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Data for City & County Credit Union (EIN 41-0191495) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.