Civic Intelligence

69 Greater Cincinnati Credit Union Inc

EIN 31-0241513 • 501(c)14 • Silverton, OH

Profile

To provide safe, economically sound, competitive financial services to meet the needs of members in an efficient, convenient and personalized manner.

Refreshing map…

7221 Montgomery RoadSilverton, OH 45236

www.gccu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

37th percentile

0.88x

Higher debt load relative to assets than 37% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

46th percentile

14.68x

Higher debt load relative to revenue than 46% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

96th percentile

31%

Higher net margin than 96% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

56th percentile

$247,000

Higher top officer pay than 56% of similar nonprofits.

Top officer pay equals 3.2% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

46th percentile

2.1%

Faster asset growth than 46% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

10th percentile

1.1%

Faster revenue growth than 10% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Assets

Up

$129,089,643

Up $2,627,666 (+2.1%) from 2023

Liabilities

Up

$113,524,072

Up $112,782,200 (+15202%) from 2023

Net Assets

Down

$15,565,571

Down $110,154,534 (-88%) from 2023

Revenue

Up

$7,733,211

Up $85,806 (+1.1%) from 2023

Expenses

Up

$5,307,214

Up $771,891 (+17%) from 2023

Net Income

Down

$2,425,997

Down $686,085 (-22%) from 2023

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$150M$100M$50M$0Assets 2010: $82,089,793Liabilities 2010: $602,722Net Assets 2010: $81,487,0712010Assets 2011: $81,221,774Liabilities 2011: $630,208Net Assets 2011: $80,591,5662011Assets 2012: $85,242,056Liabilities 2012: $595,315Net Assets 2012: $84,646,7412012Assets 2013: $86,844,708Liabilities 2013: $569,773Net Assets 2013: $86,274,9352013Assets 2014: $88,767,193Liabilities 2014: $472,286Net Assets 2014: $88,294,9072014Assets 2015: $93,679,244Liabilities 2015: $456,151Net Assets 2015: $93,223,0932015Assets 2016: $93,350,569Liabilities 2016: $511,611Net Assets 2016: $92,838,9582016Assets 2017: $98,384,275Liabilities 2017: $589,868Net Assets 2017: $97,794,4072017Assets 2018: $104,983,331Liabilities 2018: $591,880Net Assets 2018: $104,391,4512018Assets 2019: $108,575,454Liabilities 2019: $674,530Net Assets 2019: $107,900,9242019Assets 2020: $124,490,495Liabilities 2020: $684,849Net Assets 2020: $123,805,6462020Assets 2021: $135,087,967Liabilities 2021: $509,572Net Assets 2021: $134,578,3952021Assets 2022: $131,885,414Liabilities 2022: $695,093Net Assets 2022: $131,190,3212022Assets 2023: $126,461,977Liabilities 2023: $741,872Net Assets 2023: $125,720,1052023Assets 2024: $129,089,643Liabilities 2024: $113,524,072Net Assets 2024: $15,565,5712024

Highlighted filing

2024

Assets$129,089,643
Liabilities$113,524,072
Net Assets$15,565,571

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$8.0M$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $6,303,0222010Expenses 2011: $6,199,3212011Expenses 2012: $5,576,3262012Revenue 2013: $5,497,926Expenses 2013: $5,215,381Net Income 2013: $282,5452013Revenue 2014: $5,295,933Expenses 2014: $5,149,371Net Income 2014: $146,5622014Revenue 2015: $5,169,949Expenses 2015: $5,215,830Net Income 2015: -$45,8812015Revenue 2016: $5,126,091Expenses 2016: $5,065,662Net Income 2016: $60,4292016Revenue 2017: $5,110,364Expenses 2017: $5,037,141Net Income 2017: $73,2232017Revenue 2018: $5,384,465Expenses 2018: $5,205,583Net Income 2018: $178,8822018Revenue 2019: $5,730,933Expenses 2019: $5,510,398Net Income 2019: $220,5352019Revenue 2020: $5,745,636Expenses 2020: $5,223,549Net Income 2020: $522,0872020Revenue 2021: $5,021,720Expenses 2021: $4,797,146Net Income 2021: $224,5742021Revenue 2022: $5,570,197Expenses 2022: $4,777,628Net Income 2022: $792,5692022Revenue 2023: $7,647,405Expenses 2023: $4,535,323Net Income 2023: $3,112,0822023Revenue 2024: $7,733,211Expenses 2024: $5,307,214Net Income 2024: $2,425,9972024

Highlighted filing

2024

Revenue$7,733,211
Expenses$5,307,214
Net Income$2,425,997

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$129$114$15.6$7.73$5.31$2.43
2023Detailed filing. Detailed filing data is available for this year.$126$0.74$126$7.65$4.54$3.11
2022Detailed filing. Detailed filing data is available for this year.$132$0.70$131$5.57$4.78$0.79
2021Detailed filing. Detailed filing data is available for this year.$135$0.51$135$5.02$4.80$0.22
2020Detailed filing. Detailed filing data is available for this year.$124$0.68$124$5.75$5.22$0.52
2019Detailed filing. Detailed filing data is available for this year.$109$0.67$108$5.73$5.51$0.22
2018Detailed filing. Detailed filing data is available for this year.$105$0.59$104$5.38$5.21$0.18
2017Detailed filing. Detailed filing data is available for this year.$98.4$0.59$97.8$5.11$5.04$0.07
2016Detailed filing. Detailed filing data is available for this year.$93.4$0.51$92.8$5.13$5.07$0.06
2015Detailed filing. Detailed filing data is available for this year.$93.7$0.46$93.2$5.17$5.22$0.05
2014Detailed filing. Detailed filing data is available for this year.$88.8$0.47$88.3$5.30$5.15$0.15
2013Detailed filing. Detailed filing data is available for this year.$86.8$0.57$86.3$5.50$5.22$0.28
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$85.2$0.60$84.6$5.58
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$81.2$0.63$80.6$6.20
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$82.1$0.60$81.5$6.30
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 16, 2025
Return Version
2024v5.2
Gross Receipts
$7,733,211
Mission and Program Overview

Mission

To provide safe, economically sound, competitive financial services to meet the needs of members in an efficient, convenient and personalized manner.

See schedule o.to provide safe, economically sound, competitive financial services to meet the needs of members in an efficient, convenient and personalized manner.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$56,936,897$56,664,778▼ $272,119
Savings and Temporary Cash Investments$60,167,398$44,995,244▼ $15,172,154
Investments in Publicly Traded Securities$2,850,156$20,769,725▲ $17,919,569
Rtn Earn Endowment Incm Other Fnds$13,139,574$15,565,571▲ $2,425,997
Land, Buildings, and Equipment, Net$2,431,614$3,218,090▲ $786,476
Cash and Non-Interest-Bearing Accounts$1,568,836$1,369,483▼ $199,353
Prepaid Expenses and Deferred Charges$589,641$349,034▼ $240,607
Accounts Receivable$11,221$259,515▲ $248,294
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$126,461,977$129,089,643▲ $2,627,666
Other Assets Total$1,906,214$1,463,774▼ $442,440
Liabilities
Other Liabilities$112,580,531$112,478,077▼ $102,454
Accounts Payable and Accrued Expenses$741,872$1,045,995▲ $304,123
Total Liabilities$113,322,403$113,524,072▲ $201,669
Net Assets / Fund Balance
Total Net Assets Fund Balance$13,139,574$15,565,571▲ $2,425,997
Total Liabilities and Net Assets / Fund Balance$126,461,977$129,089,643▲ $2,627,666

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,039,179$1,209,237$3,248,416
Equipment$52,224$2,306,211$2,358,435
Land$1,126,687-$1,126,687
Leasehold Improvements$0$269,052$269,052
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Phil KileyC.e.o.FT$247,000$247,000

Board Members and Trustees

NameTitle
Harriet RussellPresident
Joyce HooksVice President
Anne PinnauBoard Member
Ceair BaggettBoard Member
Judith MeieringBoard Member
Kenneth MasonBoard Member
Wanda JonesBoard Member
Charles DickSecretary
Elaine MurphyTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Commercial Construction GroupConstruction5902 MONTCLAIR BLVD, Milford, OH 45150$181,350
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,450,415
Investment Income
$3,282,796
Other Revenue
$0
Change in Net Assets
$2,425,997

Audited Revenue Reconciliation

Revenue per Audited Statements
$7,733,211
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$7,733,211
Total Revenue per Form 990
$7,733,211
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,388,378
Salaries, Compensation, and Employee Benefits$1,918,836
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,299,183
Office Expenses---$1,213,685
Interest---$949,790
Occupancy---$586,864
Current Officers, Directors, Trustees, and Key Employees---$247,000
Other Employee Benefits---$224,539
Fees for Services Other---$132,520
Insurance---$117,931
Payroll Taxes---$116,892
Depreciation Depletion---$90,082
Other Expenses---$87,065
Pension Plan Contributions---$31,222
Advertising---$29,096
Fees for Services Accounting---$25,200
Fees for Services Legal---$11,438
Conferences and Meetings---$5,707
Total Functional Expenses$0$0$0$5,307,214

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$5,307,214
Total Expenses per Audited Statements$5,307,214
Total Expenses per Form 990$5,307,214
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBERS' SHARES AND DEPOSITS$112,478,077
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
Yes
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 4

The election guidelines have changed. Employees must now wait 10 years before running for the gccu board of directors.

Form 990, Part VI, Section A, Line 6

Members in the credit union industry are the depositors and debtors who are qualified for membership based upon the field of membership as approved by the ohio division of financial institutions.

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

All members in good standing may participate in the election process for board members.

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

Limited decisions of the governing body are subject to approval by the members. The board of directors is guided by the bylaws and laws and regulations of the ohio division of financial institutions and the federal government.

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

The board of directors is provided a copy of the 990 and the 990t in draft form prior to the submission to the irs.

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

We have all board members review and complete the conflict of interest forms annually.

Form 990, Part VI, Section B, Line 15

Ceo is compensated per the agreed contract and reviewed annually by the board of directors. Management is evaluated by ceo to determine compensation. Staff is evaluated by ceo to determine compensation.

Form 990, Part VI, Section C, Line 18

Annual meeting booklet available on website.

Form 990, Part VI, Section C, Line 19

All documents are available to the members of the credit union. Financial statements are posted on a monthly basis at the credit union office and are available upon request.

Form 990, Part VI, Section A. Schedule L , Part II.

The credit union is a financial institution and the business nature of the credit union is to loan money. During the normal course of business, interested parties may qualify for a loan. The terms of these loans are comparable to the terms of the loans offered to other members of the credit union.

Filing and Contact Details

Filer

Filer Name
69 Greater Cincinnati Credit Union Inc
EIN
31-0241513
Phone
5135591234
Address
7221 MONTGOMERY ROAD, SILVERTON, OH 45236

Signing Officer

Name
Phillip L Kiley
Title
CEO
Phone
5135591234
Signed
2025-11-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Phillip L Kiley
Formed
1935
Legal Domicile
Oh
Voting Board Members
9
Independent Board Members
9
Employees
37
Volunteers
0

Preparer

Firm
Gbq Partners LLC
Address
4030 SMITH ROAD SUITE 400, CINCINNATI, OH 45209
Preparer
Kathleen M Moseley
Phone
5138713033
Supplemental Narrative

Additional Explanations

FORM 990, PART X:

Some beginning balances have been reclassed for presentation purposes only.

Form 990, Part XII, Line 2C

There has been no change in this process from the prior year.

Financial Statement Notes

PART X, LINE 2:

The credit union accounts for uncertainty in income taxes in its financial statements as required under financial accounting standards board (fasb) accounting standards codification, accounting for uncertainty in income taxes. The standard prescribes a recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return.

Raw XML AppendixShowing 400 of 419 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/InterestGrp/TotalAmt0949790
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt03282796
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt03218090
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IRS990/LegalDomicileStateCd0OH
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE SAFE, ECONOMICALLY SOUND, COMPETITIVE FINANCIAL SERVICES TO MEET THE NEEDS OF MEMBERS IN AN EFFICIENT, CONVENIENT AND PERSONALIZED MANNER.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt015565571
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0586864
IRS990/OfficeExpensesGrp/TotalAmt01213685
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01906214
IRS990/OtherAssetsTotalGrp/EOYAmt01463774
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0224539
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1MISCELLANEOUS
IRS990/OtherExpensesGrp/TotalAmt0139000
IRS990/OtherExpensesGrp/TotalAmt187065
IRS990/OtherLiabilitiesGrp/BOYAmt0112580531
IRS990/OtherLiabilitiesGrp/EOYAmt0112478077
IRS990/OtherSalariesAndWagesGrp/TotalAmt01299183
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt056936897
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt056664778
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0116892
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt031222
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0589641
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0349034
IRS990/PrincipalOfficerNm0PHILLIP L KILEY
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IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES& COMMISSIONS
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02955209
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11471326
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt223880
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02955209
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11471326
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt223880
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
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IRS990/PYOtherRevenueAmt01498874
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IRS990/PYRevenuesLessExpensesAmt03112082
IRS990/PYSalariesCompEmpBnftPaidAmt01841550
IRS990/PYTotalExpensesAmt04535323
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt07647405
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt02425997
IRS990/RegularMonitoringEnfrcInd01
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt013139574
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IRS990/SavingsAndTempCashInvstGrp/EOYAmt044995244
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02039179
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01209237
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03248416
IRS990ScheduleD/EquipmentGrp/BookValueAmt052224
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02306211
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02358435
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt05307214
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt01126687
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01126687
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0269052
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0269052
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0112478077
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS' SHARES AND DEPOSITS
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt07733211
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION ACCOUNTS FOR UNCERTAINTY IN INCOME TAXES IN ITS FINANCIAL STATEMENTS AS REQUIRED UNDER FINANCIAL ACCOUNTING STANDARDS BOARD (FASB) ACCOUNTING STANDARDS CODIFICATION, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES. THE STANDARD PRESCRIBES A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE FINANCIAL STATEMENT RECOGNITION AND MEASUREMENT OF A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03218090
IRS990ScheduleD/TotalExpensesPerForm990Amt05307214
IRS990ScheduleD/TotalLiabilityAmt0112478077
IRS990ScheduleD/TotalRevenuePerForm990Amt07733211
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt07733211
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt05307214
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0247000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0PHIL KILEY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0C.E.O.
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0247000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ELECTION GUIDELINES HAVE CHANGED. EMPLOYEES MUST NOW WAIT 10 YEARS BEFORE RUNNING FOR THE GCCU BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS IN THE CREDIT UNION INDUSTRY ARE THE DEPOSITORS AND DEBTORS WHO ARE QUALIFIED FOR MEMBERSHIP BASED UPON THE FIELD OF MEMBERSHIP AS APPROVED BY THE OHIO DIVISION OF FINANCIAL INSTITUTIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ALL MEMBERS IN GOOD STANDING MAY PARTICIPATE IN THE ELECTION PROCESS FOR BOARD MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3LIMITED DECISIONS OF THE GOVERNING BODY ARE SUBJECT TO APPROVAL BY THE MEMBERS. THE BOARD OF DIRECTORS IS GUIDED BY THE BYLAWS AND LAWS AND REGULATIONS OF THE OHIO DIVISION OF FINANCIAL INSTITUTIONS AND THE FEDERAL GOVERNMENT.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS IS PROVIDED A COPY OF THE 990 AND THE 990T IN DRAFT FORM PRIOR TO THE SUBMISSION TO THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5WE HAVE ALL BOARD MEMBERS REVIEW AND COMPLETE THE CONFLICT OF INTEREST FORMS ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CEO IS COMPENSATED PER THE AGREED CONTRACT AND REVIEWED ANNUALLY BY THE BOARD OF DIRECTORS. MANAGEMENT IS EVALUATED BY CEO TO DETERMINE COMPENSATION. STAFF IS EVALUATED BY CEO TO DETERMINE COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ANNUAL MEETING BOOKLET AVAILABLE ON WEBSITE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8ALL DOCUMENTS ARE AVAILABLE TO THE MEMBERS OF THE CREDIT UNION. FINANCIAL STATEMENTS ARE POSTED ON A MONTHLY BASIS AT THE CREDIT UNION OFFICE AND ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9SOME BEGINNING BALANCES HAVE BEEN RECLASSED FOR PRESENTATION PURPOSES ONLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10THERE HAS BEEN NO CHANGE IN THIS PROCESS FROM THE PRIOR YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11THE CREDIT UNION IS A FINANCIAL INSTITUTION AND THE BUSINESS NATURE OF THE CREDIT UNION IS TO LOAN MONEY. DURING THE NORMAL COURSE OF BUSINESS, INTERESTED PARTIES MAY QUALIFY FOR A LOAN. THE TERMS OF THESE LOANS ARE COMPARABLE TO THE TERMS OF THE LOANS OFFERED TO OTHER MEMBERS OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART VI, SECTION C, LINE 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART X:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10FORM 990, PART XII, LINE 2C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11FORM 990, PART VI, SECTION A. SCHEDULE L , PART II.
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IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
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IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
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IRS990/TotalCompGreaterThan150KInd01
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IRS990/TotalVolunteersCnt00
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IRS990/UnrelatedBusIncmOverLimitInd00
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IRS990/USAddress/CityNm0SILVERTON
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IRS990/WebsiteAddressTxt0WWW.GCCU.ORG
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0PHILLIP L KILEY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05135591234
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt069 GREATER CINCINNATI CREDIT UNION INC
ReturnHeader/Filer/BusinessNameControlTxt069GR
ReturnHeader/Filer/EIN0310241513
ReturnHeader/Filer/PhoneNum05135591234

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