2026-08-25T09:46:18-04:00 2026-03-31 812664208 EBERT OWEN & ASSOCIATES 539 WASHINGTON ST STE 1 CHAGRIN FALLS OH 440224407 990 2026-01-01 341055466 GEAUGA CREDIT UNION GEAU 4408344327 PO BOX 839 BURTON OH 44021 DANIEL BURKHOLDER PRESIDENT 4408344327 2026-08-24 true JOSEPH D MADIGAN EA P02281836 4402478233 2026-08-24 2025 2025-03-06 01:10:19Z X LISA K BRIGGS 19051 SR 700 HIRAM OH 44234 1479597 false X WWW.GEAUGACREDITUNION.COM X 1956 OH THE CREDIT UNION PROVIDES FINANCIAL SERVICES FOR QUALIFIED MEMBERS. X 7 7 13 3189 0 4405888 1249766 208661 222923 30841 6908 4645390 1479597 0 1770163 562347 751520 169377 0 0 1057268 206022 3578951 937746 1066439 541851 107896890 0 97682895 0 10213995 0 X THE CREDIT UNION PROVIDES FINANCIAL SERVICES FOR QUALIFIED MEMBERS. false false 169377 PAID FOR COMPENSATION, EMPLOYEE BENEFITS AND RELATED PAYROLL TAXES. EMPLOYEES PROVIDE A WIDE RANGE OF SERVICES FOR OUR MEMBERS INCLUDING, BUT NOT LIMITED TO, EDUCATING MEMBERS ON AVAILABLE SERVICES/PRODUCTS, OPENING AND SERVICING DEPOSIT AND LOAN PRODUCTS, ASSIST MEMBERS WHEN ISSUES ARISE CONCERNINGTHEIR ACCOUNTS. GCU STRIVES TO PROVIDE PERSONAL MEMBER SERVICES. 45365 COSTS ASSOCIATED WITH PROVIDING AN OFFICE FOR STAFF AND MEMBERS. INCLUDES EQUIPMENT, SERVICES AND SUPPLIES REQUIRED FOR EMPLOYEES TO PERFORM THEIR DUTIES. GCU PROVIDES MONTHLY AND SEMI-ANNUAL PAPER STATEMENTS TO OUR MEMBERS.THE COST OF SUCH CONTINUES TO BE A GROWING EXPENSE. WE DO NOT CHARGE OUR MEMBERSFOR PAPER STATEMENTS. ADDITIONAL COSTS INCURRED ARE TO MAINTAIN THE BUILDING ALONG WITH UTILITIES, REAL ESTATE TAXES AND BUILDING INSURANCE EXPENSE. 645275 1249766 COSTS ASSOCIATED WITH PROVIDING FINANCIAL SERVICES/PRODUCTS TO OUR MEMBERS. INCLUDES HELOC COSTS; MEMBERS DO NOT PAY ANY CLOSING COSTS OR FEES; PROVIDING AN ATM, DEBIT AND VISA CARD PROGRAM, OFFERING BILL PAY VIA OUR NLINE BANKING SITE, IRA AND PROVIDING INDIRECT LENDING SERVICES AT SELECT DEALERSHIPS. INCLUDES COSTS ASSOCIATED WITH EVERYDAY BANKING TRANSACTIONS SUCH AS DEPOSITS, CLEARING DRAFTS, HAVING CASH AVAILABLE, ALSO FEES CHARGED TO US TO ACCEPT CREDIT/DEBIT CARD PAYMENTS ON LOANS. 860017 false false false false false false false false false false false false false false false true false false false false false false false false false false false false false false false false false true false false false false true false false false false true 5530 0 true 13 true true true false false false false false false false X 7 7 true false false false true true false true true false false false true true false true true true false false OH X X LISA K BRIGGS 4408344327 19051 SR 700 HIRAM OH 44234 BARRY OWEN DIRECTOR 0.25 X 0 0 0 ROBERT YODER DIRECTOR 0.25 X 0 0 0 BARBARA TITUS DIRECTOR 0.25 X 0 0 0 AGGIE SOJKA VICE PRESIDE 0.25 X 0 0 0 LINDA SWANEY SECRETARY 0.25 X 0 0 0 DAVID MILLER DIRECTOR 0.25 X 0 0 0 LISA K BRIGGS CEO 40.00 X 102165 0 0 DANIEL BURKHOLDER PRESIDENT 0.25 X 0 0 0 102165 1 false false false INTEREST ON PERSONAL LOANS 1062451 1062451 INTEREST ON BUSINESS LOANS 123728 123728 INTERES INCOME VISA CARDS 20218 20218 INTERCHANGE INCOME VISA 9586 9586 NSF DRAFT FEE 6708 6708 27075 23886 3189 1249766 222923 222923 5276 5276 MISCELLANEOUS OPERATING INCOM 522100 1632 1632 1632 1479597 1476408 3189 562347 562347 133021 133021 10903 10903 13747 13747 11706 11706 8238 8238 2948 2948 1156 1156 45365 45365 35163 35163 119 119 11516 11516 22320 22320 8611 8611 BANKCARD FEES (CC LP'S) 24746 24746 PROVISION FOR LOAN LOSSES 23468 23468 ATM EXPENSES 21386 21386 PROCESSOR EXPENSES 13137 13137 -12151 -12151 937746 860017 77729 0 671454 28804889 36318 70232658 46205 1881947 4643756 1325501 254162 107896890 0 623377 97059518 97682895 0 X 10213995 10213995 0 107896890 0 X 541851 -10755846 X false true 1479597 1479597 1479597 937745 937745 1 1 937746 SCHEDULE D, PAGE 4, PART XII, LINE 4B BOOK / TAX DEPRECIATION DIFFERENCE 1 LISA K BRIGGS CEO/FAMILY COMPENSATION/BENEFIT false MERGER 2026-03-31 107575071 BOOK VALUE 340825325 SEVEN SEVENTEEN CREDIT UNION INC 3181 LARCHMONT AVE WARREN OH 44483 501 (C) 14 false false false false FORM 990, PART III PART VI, LINE 2 - RELATED PARTY INFORMATION AMONG OFFICERS LISA K BRIGGS CEO THOMAS BRIGGS TREASURER FORM 990, PART VI, LINE 6 - CLASSES OF MEMBERS OR STOCKHOL;DERS ANYONE WHO LIVES/WORKS/WORSHIPS/GOES TO SCHOOL IN GEAUGA, TRUMBULL, PORTAGE, ASHTABULA COUNTIES MAY BECOME A MEMBER. (NOTE: NOVEMBER OF 2016, GCU WAS GRANTED A "FIELD OF MEMBERSHIP" EXPANSION FROM ODFI. GCU IS OFFERING SAME PROGRAM SERVICES CURRENTLY OFFERED TO GEAUGA COUNTY.) APPROPRIATE MEMBERSHIP APPLICATION MUST BE COMPLETED AND PROCESSED ALONG WITH A DEPOSIT WHICH REPRESENTS ONE SHARE. THIS SHARE IS KEPT IN A SHARE SAVINGS FOR THE LIFE OF THE MEMBERSHIP. THIS SHARE ENTITLES THE MEMBER VOTING PRIVILEGES IN DECIDING THE GOVERNING BODY; AKA BOARD OF DIRECTORS. EACH DIRECTOR HAS A TERM OF THREE YEARS. EACH YEAR THREE POSITIONS ARE UP FOR ELECTION. A SHORT RESUME OF EACH NOMINEE IS MAILED TO EACHMEMBER AND AVAILABLE IN OFFICE. IN THIS MAILING IS A BALLOT AND RETURN ENVELOPE. WHEN THE BALLOT IS RETURNED TO GCU THEY ARE HELD UNOPENED UNTIL THE AUDIT COMMITTEE MEETS TO OPEN AND TALLY THE VOTES. ELECTION RESULTS ARE PRESENTED AT THE ANNUAL MEETING HELD THE THIRD THURSDAY OF JULY. FORM 990, PART VI, LINE 7A - ELECTION OF MEMBERS AND THEIR RIGHTS. ANYONE WHO LIVES, WORKS, WORSHIPS, GOES TO SCHOOL IN GEAUGA, ASHRTABULA, TRUMBULL, PORTAGE COUNTIES MAY BECOME A MEMBER. APPROPRIATE MEMBERSHIP APPLICATION MUST BE COMPLETED AND PROCESSED ALONG WITH A 5 DEPOSIT THAT REPRESENTS ONE SHARE. THIS SHARE IS KEPT IN SHARE SAVINGS ACCOUNT FOR THE LIFE OF THE MEMBERSHIP. THIS SHARE ENTITLES THE MEMBER VOTING PRIVILEGES IN DECIDING THE GOVERNING BODY; AKA BOARD OF DIRECTORS. EACH DIRECTOR SERVES A THREE YEAR TERM. EACH YEAR THREE POSITIONS ARE UP FOR ELECTION. A SHORT RESUME OF EACH NOMINEE IS MAILED TO EACH MEMBER AND AVAILABLE IN OFFICE. IN THIS MAILING IS A BALLOT AND A RETURN ENVELOPE. WHEN THE BALLOT IS RETURNED TO GCU THEY ARE HELD UNOPENED UNTIL THE AUDIT COMMITTEE MEETS TO OPEN AND TALLY THE VOTES. ELECTION RESULTS ARE PRESENTED AT THE ANNUAL MEETING HELD THE THIRD THURSDAY IN JULY. FORM 990, PART VI, LINE 11B - ORGANIZATION'S PROCESS OF REVIEW FPRM 990 THE 990 IS COMPLETED BY STAFF MEMBERS WHO COMPLETE THE DATA UNDER THE SUPERVISION OF THE CEO AND TREASURER. THEY REVIEW AND APPROVE THE 990, WITH THE CEO SIGNING OFF ON THE RETURN PRIOR TO FILING WITH THE IRS. THE 990 IS ALSO REVIEWED BY THE BOD PRIOR TO FILING WITH THE IRS FORM 990, PART VI, LINE 12C - ENFORCEMENT OF CONFLICT POLICY GCU HAS A PROCESS TO DETERMINE CONFLICT OF INTEREST REGARDING BOARD MEMBERS.ANNUALLY, THE BOARD MEMBERS ARE REQUIRED TO COMPLETE A CONFLICT OF INTEREST ANNUAL STATEMENT. THESE ARE SUMMARIZED AND MAINTAINED IN A DOCUMENT PRESENT AT EACH BOARD MEETING. IF THERE IS A POSSIBLE CONFLICT THE BOARD MEMBERS COMPLETE A DISCLOSURE AND IT IS REVIEWED BY A NON- CONFLICTED DIRECTOR AND THE CEO.IF A CONFLICT OF INTEREST IS DETERMINED TO EXIST, THE CONFLICTED BOARD MEMBER IS REQUIRED TO ABSTAIN FROM ANY DISCUSSION OR VOTE IN THE MATTER. FRM 990, PART VI, LINE 15A - COMPENSATION PROCESS FOR TOP OFFICIAL - THE COMPENSATION COMMITTEE RESEARCHES SALARIES AND PROPOSES THE CEO'S COMPENSATION. THE BOARD WILL DISCUSS AND VOTE ON CEO'S COMPENSATION WITH THE TREASURER ABSTAINING. THE BOARD PERFORMS AN ANNUAL EVALUATIONOF THE CEO'S PERFORMANCE. FORM 990, PART VI, LINE 18 - NO PUBLIC DISCLOSURE EXPLANATION GCU ALSO POSTS THE FORM 990 IN THE ENTRY VESTIBULE. FORM 990, PART VI, LINE 19 - GOVERNING DOCUMENTS DISCLOSURE EXPLANATION. GCU BYLAWS, MONTHLY FINANCIAL STATEMENTS AND OTHER PERTINENT DOCUMENTS ARE POSTED IN A SECURE DISPLAY BOARD IN THE OFFICE VESTIBULE. ADDITIONALY ANY MEMBER CANCAN REVIEW/QUESTION ANY GCU POLICY BY MAKING AN APPOINTMENT. FORM 990, PART IX, LINE 11G - OTHER FEES FOR SERVICES DESCRIPTION TOT/PROGRAM SERVICES MGT. & GENERAL FUND RAISING FORM 990, PAGE 6, PART VI, LINE 2 LISA BRIGGS THOMAS BRIGGS CEO BOARD MEMBER FATHER IN LAW FORM 990, PAGE 6, PART VI, LINE 6 THE CREDIT UNION IS FORMED UPON MEMBERSHIPS FORM 990, PAGE 6, PART VI, LINE 7A ALL BOARD MEMBERS ARE ELECTED BY THE MEMBERSHIP FORM 990, PAGE 6, PART VI, LINE 11B THE CREDIT UNION DISTRIBUTES THE FORM 990 & 990-T TO ALL BOARD MEMBERS AND ENTERS A MOTION TO ACCEPT THE RETURN AS PREPARED. FORM 990, PAGE 6, PART VI, LINE 15A OFFICER COMPENSATION IS DETERMINED BY THE BOARD FORM 990, PAGE 6, PART VI, LINE 19 PROVIDED ON REQUEST. FORM 990, PART XI, LINE 9 MERGER WTH EIN 34-0825325 -10,755,846