2025-11-17T17:12:53-06:00 2024-12-31 202122306 GBQ PARTNERS LLC 4030 SMITH ROAD SUITE 400 CINCINNATI OH 45209 990 2024-01-01 310241513 69 GREATER CINCINNATI CREDIT UNION INC 69GR 5135591234 7221 MONTGOMERY ROAD SILVERTON OH 45236 PHILLIP L KILEY CEO 5135591234 2025-11-16 1 0 KATHLEEN M MOSELEY P00116760 5138713033 2025-11-14 2024 2025-03-06 01:10:19Z PHILLIP L KILEY 7221 MONTGOMERY ROAD SILVERTON OH 45236 7733211 0 X WWW.GCCU.ORG X 1935 OH SEE SCHEDULE O.TO PROVIDE SAFE, ECONOMICALLY SOUND, COMPETITIVE FINANCIAL SERVICES TO MEET THE NEEDS OF MEMBERS IN AN EFFICIENT, CONVENIENT AND PERSONALIZED MANNER. 9 9 37 0 0 0 0 0 2888671 4450415 3259860 3282796 1498874 0 7647405 7733211 0 0 0 0 1841550 1918836 0 0 0 2693773 3388378 4535323 5307214 3112082 2425997 126461977 129089643 113322403 113524072 13139574 15565571 TO PROVIDE SAFE, ECONOMICALLY SOUND, COMPETITIVE FINANCIAL SERVICES TO MEET THE NEEDS OF MEMBERS IN AN EFFICIENT, CONVENIENT AND PERSONALIZED MANNER. 0 0 PROVIDE FINANCIAL SERVICES TO ITS MEMBERS. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 5 0 1 37 1 0 0 0 0 0 0 0 0 0 0 X 9 9 0 0 1 0 1 1 1 1 1 0 0 1 1 1 1 1 1 1 1 0 OH X THE ORGANIZATION 5135591234 7221 MONTGOMERY ROAD SILVERTON OH 45236 CEAIR BAGGETT BOARD MEMBER 1.00 X 0 0 0 CHARLES DICK SECRETARY 1.00 X X 0 0 0 JOYCE HOOKS VICE PRESIDENT 1.00 X X 0 0 0 WANDA JONES BOARD MEMBER 1.00 X 0 0 0 KENNETH MASON BOARD MEMBER 1.00 X 0 0 0 JUDITH MEIERING BOARD MEMBER 1.00 X 0 0 0 ELAINE MURPHY TREASURER 1.00 X X 0 0 0 ANNE PINNAU BOARD MEMBER 1.00 X 0 0 0 HARRIET RUSSELL PRESIDENT 1.00 X X 0 0 0 PHIL KILEY C.E.O. 40.00 X 247000 0 0 247000 0 0 1 0 1 0 COMMERCIAL CONSTRUCTION GROUP 5902 MONTCLAIR BLVD MILFORD OH 45150 CONSTRUCTION 181350 1 INTEREST ON LOANS 522100 2955209 2955209 FEES& COMMISSIONS 522100 1471326 1471326 OTHER INCOME 522100 23880 23880 4450415 3282796 3282796 7733211 4450415 0 3282796 247000 1299183 31222 224539 116892 11438 25200 132520 29096 1213685 586864 5707 949790 90082 117931 PROVISION FOR LOAN LOSS 139000 MISCELLANEOUS 87065 5307214 X 1568836 1369483 60167398 44995244 11221 259515 56936897 56664778 589641 349034 7002590 3784500 2431614 3218090 2850156 20769725 1906214 1463774 126461977 129089643 741872 1045995 112580531 112478077 113322403 113524072 X 0 0 0 0 13139574 15565571 13139574 15565571 126461977 129089643 2425997 0 X X 0 1 X 1 0 1126687 1126687 3248416 1209237 2039179 269052 269052 0 2358435 2306211 52224 3218090 MEMBERS' SHARES AND DEPOSITS 112478077 112478077 X 7733211 0 7733211 0 7733211 5307214 0 5307214 0 5307214 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. 0 0 0 PHIL KILEY C.E.O. 247000 0 0 0 0 0 0 0 0 0 247000 0 0 0 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 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. 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.