Civic Intelligence

Greek Catholic Union of the USA

990 • Fiscal year 2020 • EIN 25-0522060

Jan 01, 2020 to Dec 31, 2020 • Filed on Nov 12, 2021

Organization ProfileWWW.GCUUSA.COM

View Organization Page

5400 Tuscarawas RoadBeaver, PA 15009

(724) 495-3400

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

92nd percentile

0.92x

Higher debt load relative to assets than 92% of similar nonprofits.

2020 filings • $1B+ nonprofits • Source year 2020

Liabilities / Revenue

78th percentile

5.63x

Higher debt load relative to revenue than 78% of similar nonprofits.

2020 filings • $1B+ nonprofits • Source year 2020

Net Margin

54th percentile

8.9%

Higher net margin than 54% of similar nonprofits.

2020 filings • $1B+ nonprofits • Source year 2020

Top Officer Pay

11th percentile

$368,596

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 0.1% of source-year revenue.

2020 filings • $1B+ nonprofits • Source year 2020

Asset Growth

34th percentile

7.2%

Faster asset growth than 34% of similar nonprofits.

2020 filings • $1B+ nonprofits • Annualized from 2019 to 2020

Revenue Growth

61st percentile

4.8%

Faster revenue growth than 61% of similar nonprofits.

2020 filings • $1B+ nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Up

$2,200,816,339

Up $148,482,251 (+7.2%) from 2019

Net Assets

Up

$182,647,589

Up $19,906,056 (+12%) from 2019

Liabilities

Up

$2,018,168,750

Up $128,576,195 (+6.8%) from 2019

Revenue And Expenses
Liabilities / Revenue78th percentileNet Margin54th percentile

Revenue

Up

$358,174,652

Up $16,269,461 (+4.8%) from 2019

Expenses

Up

$326,473,949

Up $11,237,814 (+3.6%) from 2019

Net Income

Up

$31,700,703

Up $5,031,647 (+19%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth34th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$3.0B$2.0B$1.0B$0Assets 2011: $852,673,286Liabilities 2011: $824,244,986Net Assets 2011: $28,428,3002011Assets 2012: $977,168,816Liabilities 2012: $940,000,638Net Assets 2012: $37,168,1782012Assets 2013: $1,080,114,466Liabilities 2013: $1,029,622,237Net Assets 2013: $50,492,2292013Assets 2014: $1,196,636,848Liabilities 2014: $1,124,811,418Net Assets 2014: $71,825,4302014Assets 2015: $1,354,927,436Liabilities 2015: $1,264,187,700Net Assets 2015: $90,739,7362015Assets 2019: $2,052,334,088Liabilities 2019: $1,889,592,555Net Assets 2019: $162,741,5332019Assets 2020: $2,200,816,339Liabilities 2020: $2,018,168,750Net Assets 2020: $182,647,5892020Assets 2021: $2,413,827,402Liabilities 2021: $2,204,585,804Net Assets 2021: $209,241,5982021Assets 2022: $2,641,748,390Liabilities 2022: $2,422,264,760Net Assets 2022: $219,483,6302022Assets 2024: $2,781,925,543Liabilities 2024: $2,574,949,078Net Assets 2024: $206,976,4652024

Highlighted filing

2020

Assets$2,200,816,339
Liabilities$2,018,168,750
Net Assets$182,647,589
Open 2020 Filing

Operations Trend

Revenue Growth61st percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$600M$400M$200M$0-$200MExpenses 2011: $155,712,5792011Expenses 2012: $206,347,2172012Revenue 2013: $216,588,276Expenses 2013: $198,067,033Net Income 2013: $18,521,2432013Revenue 2014: $235,731,772Expenses 2014: $217,565,485Net Income 2014: $18,166,2872014Revenue 2015: $319,264,126Expenses 2015: $297,200,583Net Income 2015: $22,063,5432015Revenue 2019: $341,905,191Expenses 2019: $315,236,135Net Income 2019: $26,669,0562019Revenue 2020: $358,174,652Expenses 2020: $326,473,949Net Income 2020: $31,700,7032020Revenue 2021: $428,908,652Expenses 2021: $392,342,675Net Income 2021: $36,565,9772021Revenue 2022: $502,684,689Expenses 2022: $488,283,345Net Income 2022: $14,401,3442022Revenue 2024: $501,090,460Expenses 2024: $506,811,529Net Income 2024: -$5,721,0692024

Highlighted filing

2020

Revenue$358,174,652
Expenses$326,473,949
Net Income$31,700,703
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Nov 12, 2021
Return Version
2020v4.1
Gross Receipts
$496,080,177
Mission and Program Overview

Mission

Gcu provides a full range of annuity and insurance products to meet its members' financial expectations. With the profits generated from those sales, the society participates in a number of community projects. These projects include fundraising, donating to and volunteering at homeless shelters, food banks, public libraries, day care centers, schools for the blind, homes for pregnant teens, etc. In addition, the society remains a significant benefactor to the ss. Cyril & methodius byzantine catholic seminary located in pittsburgh, pennsylvania for the education of their priests.

The mission of gcu (f/k/a the greek catholic union of the usa) is to provide financial and fraternal benefits to its members and to educate members on greek culture and heritage.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$1,968,020,729$2,082,893,316▲ $114,872,587
Rtn Earn Endowment Incm Other Fnds$162,741,533$182,647,589▲ $19,906,056
Cash and Non-Interest-Bearing Accounts$17,624,027$54,663,302▲ $37,039,275
Investments Other Securities$36,839,926$35,972,452▼ $867,474
Accounts Receivable$2,992,895$0▼ $2,992,895
Land, Buildings, and Equipment, Net$480,342$470,606▼ $9,736
Other Notes and Loans Receivable, Net$33,240$36,146▲ $2,906
Receivable From Disqualified Prsn$171,387$25,095▼ $146,292
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$2,052,334,088$2,200,816,339▲ $148,482,251
Other Assets Total$26,171,542$26,755,422▲ $583,880
Liabilities
Other Liabilities$1,885,508,505$2,013,015,768▲ $127,507,263
Accounts Payable and Accrued Expenses$4,084,050$5,152,982▲ $1,068,932
Total Liabilities$1,889,592,555$2,018,168,750▲ $128,576,195
Net Assets / Fund Balance
Total Net Assets Fund Balance$162,741,533$182,647,589▲ $19,906,056
Total Liabilities and Net Assets / Fund Balance$2,052,334,088$2,200,816,339▲ $148,482,251

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$209,439$1,697,087$1,906,526
Land$261,167-$261,167
Compensation and Service Providers
Top Officer Pay11th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
George N JubaPresident/CEOFT$347,451$21,145$368,596
Timothy DemetresCFOFT$282,363$8,084$290,447
Scott SchuetzExecutive VP & COOFT$260,823$8,366$269,189
Damian MartinoIt ManagerFT$134,685$21,036$155,721
Theodore TrbovichGeneral CounselPT$75,000$53$75,053
Gregory N VladikaDirectorPT$33,550$106$33,656
George KofelDirectorPT$32,820$106$32,926
David OleksaDirectorPT$26,250$106$26,356
Lisa GulibonDirectorPT$26,250$106$26,356
Melanie Niskach BaslDirectorPT$26,250$106$26,356
Michael KaraffaDirectorPT$26,250$106$26,356
Barbara KushnerDirectorPT$26,250$53$26,303
Dorothy ForanDirectorPT$26,250$53$26,303
John OslickDirectorPT$26,250$53$26,303
John UrbanDirectorPT$26,250$53$26,303
Rev Richard Lambert Thru 10120DirectorPT$20,620$40$20,660
Father John Kachuba as of 10120DirectorPT$8,875$13$8,888

Highest Paid Contractors

ContractorServicesLocationCompensation
American Senior Benefits LLCIndependent Service/agent12722 S BLACKBOB ROAD, Olathe, KS 66062$1,280,650
Secure Money AdvisorsIndependent Service/agent3660 PENNSYLVANIA AVE, Weirton, WV 26062$539,332
Justin TantilingerIndependent Service/agent504 S MAIN ST, Zelienople, PA 16063$463,948
-Independent Service/agent4000 TRIANGLE LANE, Export, PA 15632$326,195
-Independent Service/agent4000 TRIANGLE LANE, Export, PA 15632$279,660
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$251,489,108
Investment Income
$106,639,939
Other Revenue
$45,605
Change in Net Assets
$31,700,703

Audited Revenue Reconciliation

Revenue per Audited Statements
$353,971,471
Revenue Not Reported on Financial Statements
$4,203,181
Revenue Not Reported on Form 990
$-15,924,409
Other Revenue Adjustments
$2,522,622
Total Revenue per Audited Statements
$338,047,062
Total Revenue per Form 990
$358,174,652
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$149,587,055
Salaries, Compensation, and Employee Benefits$4,881,096
Grants and Similar Amounts Paid$83,650
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$171,922,148
Other Salaries and Wages---$2,518,920
Current Officers, Directors, Trustees, and Key Employees---$1,310,052
Fees for Service Investment Mgmnt Fees---$1,138,316
All Other Expenses---$979,461
Other Employee Benefits---$752,984
Fees for Services Accounting---$509,121
Fees for Services Other---$475,987
Information Technology---$429,706
Other Expenses---$278,922
Interest---$235,295
Payroll Taxes---$200,633
Occupancy---$176,170
Pension Plan Contributions---$98,507
Office Expenses---$93,963
Insurance---$93,145
Grants to Domestic Individuals---$83,650
Conferences and Meetings---$48,595
Travel---$44,984
Fees for Services Legal---$33,237
Advertising---$19,478
Depreciation Depletion---$9,735
Total Functional Expenses$0$0$0$326,473,949

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$326,473,949
Total Expenses per Audited Statements$325,229,151
Expenses per Audited Statements$324,793,390
Expenses Not Reported on Financial Statements$1,680,559
Expenses Not Reported on Form 990$435,761
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons$171,387$25,095▼ $146,292
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Reserve for Life Certificates$1,949,861,222
Deposit Type Contracts$26,017,367
Interest Maintenance Reserve$21,123,999
Asset Valuation Reserve$8,316,048
Employee Pension Reserve$7,463,614
Reserve for Accident and Health Contracts$200,496
Unearned Premiums$33,022
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Membership shall be extended to any person in accordance with the requirements and limitations set forth in the charter, the by-laws, and the actions of the board.”

Form 990, Part VI, Section A, Line 7A

“Members elect delegates, which elect the board of directors and officers at the quadrennial convention.”

Form 990, Part VI, Section B, Line 11B

“The form 990 will be distributed to board members prior to the extended due date of the tax return. The partner of the accounting firm will review the form 990 and answer any questions board members may have.”

Form 990, Part VI, Section B, Line 12C

“Annual conflict of interest statements are reviewed by the governance committee. The ceo advises on any conflicts disclosed.”

Form 990, Part VI, Section B, Line 15

“Reviewed by the compensation committee and approved by the board.”

Form 990, Part VI, Section C, Line 19

“Upon request, gcu will make its governing documents, conflict of interest policy and finanical statements available for public inspection at gcu's home office.”

Filing and Contact Details

Filer

Filer Name
Gcu
EIN
25-0522060
Phone
7244953400
Address
5400 TUSCARAWAS ROAD, BEAVER, PA 15009

Signing Officer

Name
Timothy Demetres
Title
CFO
Phone
7244953400
Signed
2021-11-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Timothy Demetres
Formed
1893
Legal Domicile
Pa
Voting Board Members
11
Independent Board Members
11
Employees
93
Volunteers
500

Preparer

Firm
H2r CPA
Address
875 GREENTREE RD BLDG 7 STE 1000, PITTSBURGH, PA 15220
Preparer
Leo a Hannah
Phone
4123912920
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Change in non-admitted assets -2,015,634. Net losses of subsidiaries - gcu holding company, inc. -1,335,067. Change in asset valuation reserve 10,430,748. Valuation adjustment for bond impairment -16,360,197. Realized capital gains transferred to imr for f/s purposes -2,522,628. Rounding difference 27.”

FORM 990, PART XII, LINE 2C:

“No change to the audit committee in the current year.”

Financial Statement Notes

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Self charged rent 96,000. Other investment expenses - not netted for 990 purposes (presentation only) 339,788. Valuation adjustment for bond impairment - not presented on 990 -16,360,197.”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Realized capital gains transferred to imr for f/s purposes 2,522,628. Rounding -6.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Occupancy expenses to offset self-charged rent 96,000. Other investment expenses - not netted for 990 purposes (presentation only) 339,788. Rounding -27.”

Raw XML AppendixShowing 400 of 648 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/PersonNm3DOROTHY FORAN
IRS990/Form990PartVIISectionAGrp/PersonNm4BARBARA KUSHNER
IRS990/Form990PartVIISectionAGrp/PersonNm5JOHN URBAN
IRS990/Form990PartVIISectionAGrp/PersonNm6LISA GULIBON
IRS990/Form990PartVIISectionAGrp/PersonNm7REV RICHARD LAMBERT THRU 10120
IRS990/Form990PartVIISectionAGrp/PersonNm8GREGORY N VLADIKA
IRS990/Form990PartVIISectionAGrp/PersonNm9MICHAEL KARAFFA
IRS990/Form990PartVIISectionAGrp/PersonNm10DAVID OLEKSA
IRS990/Form990PartVIISectionAGrp/PersonNm11FATHER JOHN KACHUBA AS OF 10120
IRS990/Form990PartVIISectionAGrp/PersonNm12GEORGE N JUBA
IRS990/Form990PartVIISectionAGrp/PersonNm13TIMOTHY DEMETRES
IRS990/Form990PartVIISectionAGrp/PersonNm14THEODORE TRBOVICH
IRS990/Form990PartVIISectionAGrp/PersonNm15SCOTT SCHUETZ
IRS990/Form990PartVIISectionAGrp/PersonNm16DAMIAN MARTINO
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IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt13CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt14GENERAL COUNSEL
IRS990/Form990PartVIISectionAGrp/TitleTxt15EXECUTIVE VP & COO
IRS990/Form990PartVIISectionAGrp/TitleTxt16IT MANAGER
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IRS990/FormationYr01893
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IRS990/InfoInScheduleOPartXIInd0X
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IRS990/InsuranceGrp/TotalAmt093145
IRS990/InterestGrp/TotalAmt0235295
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0104608254
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IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt035972452
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IRS990/IRPDocumentCnt015926
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IRS990/LandBldgEquipAccumDeprecAmt01697087
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt0470606
IRS990/LandBldgEquipCostOrOtherBssAmt02167693
IRS990/LegalDomicileStateCd0PA
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0137905525
IRS990/LoanOutstandingInd01
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IRS990/MembersOrStockholdersInd01
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IRS990/MinutesOfCommitteesInd01
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IRS990/MissionDesc0GCU PROVIDES A FULL RANGE OF ANNUITY AND INSURANCE PRODUCTS TO MEET ITS MEMBERS' FINANCIAL EXPECTATIONS. WITH THE PROFITS GENERATED FROM THOSE SALES, THE SOCIETY PARTICIPATES IN A NUMBER OF COMMUNITY PROJECTS. THESE PROJECTS INCLUDE FUNDRAISING, DONATING TO AND VOLUNTEERING AT HOMELESS SHELTERS, FOOD BANKS, PUBLIC LIBRARIES, DAY CARE CENTERS, SCHOOLS FOR THE BLIND, HOMES FOR PREGNANT TEENS, ETC. IN ADDITION, THE SOCIETY REMAINS A SIGNIFICANT BENEFACTOR TO THE SS. CYRIL & METHODIUS BYZANTINE CATHOLIC SEMINARY LOCATED IN PITTSBURGH, PENNSYLVANIA FOR THE EDUCATION OF THEIR PRIESTS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt02031685
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt02031685
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt08104
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0176170
IRS990/OfficeExpensesGrp/TotalAmt093963
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt026171542
IRS990/OtherAssetsTotalGrp/EOYAmt026755422
IRS990/OtherChangesInNetAssetsAmt0-11802751
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0752984
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IRS990/OtherExpensesGrp/Desc1COMMISSIONS, NET OF REI
IRS990/OtherExpensesGrp/Desc2FRATERNAL ACTIVITIES
IRS990/OtherExpensesGrp/Desc3REFUNDS TO MEMBERS
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IRS990/OtherExpensesGrp/TotalAmt19005767
IRS990/OtherExpensesGrp/TotalAmt21073020
IRS990/OtherExpensesGrp/TotalAmt3278922
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IRS990/OtherRevenueMiscGrp/Desc1REFERRAL FEES
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt035705
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt19900
IRS990/OtherRevenueTotalAmt045605
IRS990/OtherSalariesAndWagesGrp/TotalAmt02518920
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IRS990/PoliciesReferenceChaptersInd01
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IRS990/ProgramServiceRevenueGrp/Desc3PENSION PLAN INCOME
IRS990/ProgramServiceRevenueGrp/Desc4VOLUNTARY MEMBERSHIP DUES
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21872452
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IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0162741533
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt01697087
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IRS990ScheduleD/ExpensesNotReportedAmt0435761
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0EMPLOYEE PENSION RESERVE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1RESERVE FOR LIFE CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2RESERVE FOR ACCIDENT AND HEALTH CONTRACTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3DEPOSIT TYPE CONTRACTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4INTEREST MAINTENANCE RESERVE

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,200,816,339
Liabilities
$2,018,168,750
Net assets
$182,647,589
Revenue
$358,174,652
Expenses
$326,473,949
Net income
$31,700,703
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,782$2,575$207$501$507$5.72
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,642$2,422$219$503$488$14.4
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,414$2,205$209$429$392$36.6
2020Detailed filing. Detailed filing data is available for this year.$2,201$2,018$183$358$326$31.7
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,052$1,890$163$342$315$26.7
2015Detailed filing. Detailed filing data is available for this year.$1,355$1,264$90.7$319$297$22.1
2014Detailed filing. Detailed filing data is available for this year.$1,197$1,125$71.8$236$218$18.2
2013Detailed filing. Detailed filing data is available for this year.$1,080$1,030$50.5$217$198$18.5
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$977$940$37.2$206
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$853$824$28.4$156