Nonprofit · EIN 36-1932435
COMMUNITY TRUST CREDIT UNION
Tax-exempt · GURNEE, IL 60031
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $15,330,009 | $12,349,547 | $2,980,462 | $331,300,013 | $293,366,962 | $37,933,051 |
| December 31, 2024 | 990 | $15,150,433 | $12,095,608 | $3,054,825 | $317,252,105 | $282,299,516 | $34,952,589 |
| December 31, 2023 | 990 | $14,516,805 | $9,776,364 | $4,740,441 | $307,429,832 | $275,532,068 | $31,897,764 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $9,079,528
- Investment income
- $6,250,481
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $907,558
- Other salaries and wages
- $2,968,497
- Salaries, compensation and benefits (total)
- $4,653,396
- Professional fundraising fees
- $0
- Legal fees
- $8,897
- Accounting fees
- $48,224
- Occupancy
- $667,593
- Travel
- $6,654
- Depreciation
- $406,061
Balance sheet and other
- Total assets, start of year
- $317,252,105
- Total assets, end of year
- $331,300,013
- Total liabilities, end of year
- $293,366,962
- Net assets, end of year
- $37,933,051
- Land, buildings and equipment
- $9,503,581
- Publicly traded securities
- $60,999,149
- Gross receipts
- $15,330,009
- Employees
- 72
- Volunteers
- 8
- Year formed
- 1933
- State of legal domicile
- IL
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| CAROL ANALLA | CHIEF EXECUTIVE OFFICER Officer | 50 | $358,771 |
| MICHELE COLE | CHIEF SERVICE OFFICER Officer | 50 | $189,568 |
| CATHERINE HILL | CHIEF RISK OFFICER Officer | 50 | $180,713 |
| JOSH VISSERING | CHIEF FINANCIAL OFFICER Officer | 50 | $178,505 |
| BETTINA GOLWITZER | VICE PRESIDENT OF HR Highest-paid employee | 50 | $149,041 |
| JOSE NUNEZ | VICE PRESIDENT OF IT Highest-paid employee | 50 | $143,343 |
| NICOLE VOSTATEK | DIGITAL SERVICES DIRECTOR Highest-paid employee | 50 | $130,454 |
| MICHAEL LENZI | MARKETING DIRECTOR Highest-paid employee | 50 | $117,970 |
| MICHELE HALLGREN | RETAIL OPERATIONS DIRECTOR Highest-paid employee | 50 | $115,453 |
| DAN KLOCZKOWSKI | CHAIRMAN Trustee or director | 1 | $0 |
| HENRY HANK GOVEKAR | VICE CHAIRMAN Trustee or director | 1 | $0 |
| JESSICA HIETT | TREASURER Trustee or director | 1 | $0 |
| ANDREW DALLSTREAM | SECRETARY Trustee or director | 1 | $0 |
| COREY CLARK | DIRECTOR Trustee or director | 1 | $0 |
| FRED FRIEDL | DIRECTOR Trustee or director | 1 | $0 |
1 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| LINDA WEGGE-SLIPKE | DIRECTOR Trustee or director | 1 | $0 |
990 for the year ended December 31, 2024: 16 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| CAROL ANALLA | CEO Officer | 50 | $330,476 |
| MICHELE COLE | VP LENDING Officer | 50 | $188,155 |
| JOSH VISSERING | CFO Officer | 50 | $170,940 |
| CATHERINE HILL | CHIEF RISK OFFICER Officer | 50 | $169,026 |
| BETINA GOLWITZER | HR DIRECTOR Highest-paid employee | 50 | $147,708 |
| JOSE NUNEZ | IT DIRECTOR Highest-paid employee | 50 | $144,636 |
| NICOLE VOSTATEK | DIGITAL SERVICES DIRECTOR Highest-paid employee | 50 | $131,492 |
| MICHAEL LENZI | MARKETING DIRECTOR Highest-paid employee | 50 | $122,617 |
| MICHELE HALLGREN | RETAIL OPERATIONS DIRECTOR Highest-paid employee | 50 | $118,951 |
| DAN KLOCZKOWSKI | CHAIRMAN Trustee or director | 1 | $0 |
| HENRY HANK GOVEKAR | VICE CHAIRMAN Trustee or director | 1 | $0 |
| JESSICA HIETT | TREASURER Trustee or director | 1 | $0 |
| ANDY DALLSTREAM | SECRETARY Trustee or director | 1 | $0 |
| COREY CLARK | DIRECTOR Trustee or director | 1 | $0 |
| FRED FRIEDL | DIRECTOR Trustee or director | 1 | $0 |
| LINDA WEGGE-SLIPKE | DIRECTOR Trustee or director | 1 | $0 |
990 for the year ended December 31, 2023: 15 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| CAROL ANALLA | CEO Officer | 50 | $286,486 |
| MICHELE COLE | VP LENDING Officer | 50 | $144,513 |
| JOSH VISSERING | CFO Officer | 50 | $142,781 |
| CATHERINE HILL | COMPLIANCE OFFICER Officer | 50 | $141,121 |
| JOSE NUNEZ | IT DIRECTOR Highest-paid employee | 50 | $121,948 |
| BETINA GOLWITZER | HR DIRECTOR Highest-paid employee | 50 | $116,455 |
| NICOLE VOSTATEK | DIRECTOR OF DIGITAL SERVICES Highest-paid employee | 50 | $109,312 |
| MICHAEL LENZI | MARKETING DIRECTOR Highest-paid employee | 50 | $102,569 |
| DAN KLOCZKOWSKI | CHAIRMAN Trustee or director | 1 | $0 |
| HENRY HANK GOVEKAR | VICE CHAIRMAN Trustee or director | 1 | $0 |
| JESSICA HIETT | TREASURER Trustee or director | 1 | $0 |
| ANDY DALLSTREAM | SECRETARY Trustee or director | 1 | $0 |
| COREY CLARK | DIRECTOR Trustee or director | 1 | $0 |
| FRED FRIEDL | DIRECTOR Trustee or director | 1 | $0 |
| LINDA WEGGE-SLIPKE | DIRECTOR Trustee or director | 1 | $0 |
Address and contacts
- Address (IRS master file)
- 1313 N SKOKIE HWY, GURNEE, IL 60031-2126
- Principal officer (990 for 2025)
- CAROL ANALLA, 1313 SKOKIE HWY, GURNEE, IL 60031
- Signed the 990
- CAROL ANALLA, CEO
- Phone
- (847) 662-2050
- Website
- WWW.CTCU.ORG
Mission
TO ASSIST OUR MEMBERS IN THE MANAGEMENT OF THEIR FINANCIAL WELL BEING BY PROVIDING LOANS, SAVINGS ACCOUNTS, AND OTHER FINANCIAL INSITUTION SERVICES.
Program accomplishments
- PROVIDED CONSUMER LOANS TO 6,783 MEMBERS.
- PROVIDED HOME BANKING SERVICES TO 11,295 MEMBERS.
- RECEIVED DEPOSITS ON SAVINGS FROM 13,431 MEMBERS
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 36-1932435
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1960
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Public and societal benefit (W61)
- Assets (IRS master file)
- $331,300,013
- Income (IRS master file)
- $15,330,009
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $15,330,009 | $12,349,547 | $331,300,013 | XML |
| 990 | December 2024 | $15,150,433 | $12,095,608 | $317,252,105 | XML |
| 990 | December 2023 | $14,516,805 | $9,776,364 | $307,429,832 | XML |
| 990 | December 2022 | $11,872,195 | $7,782,195 | $313,408,662 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 36-1932435).
Questions about COMMUNITY TRUST CREDIT UNION
- What is the EIN of COMMUNITY TRUST CREDIT UNION?
- The employer identification number (EIN) of COMMUNITY TRUST CREDIT UNION is 36-1932435.
- Is COMMUNITY TRUST CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1960.
- Are donations to COMMUNITY TRUST CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does COMMUNITY TRUST CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of COMMUNITY TRUST CREDIT UNION due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did COMMUNITY TRUST CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of COMMUNITY TRUST CREDIT UNION?
- The 990 for the year ended December 31, 2025 names CAROL ANALLA.
- Who are the officers and directors of COMMUNITY TRUST CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 16 people; 9 received compensation from the organization, the highest $358,771 (CAROL ANALLA, CHIEF EXECUTIVE OFFICER).
- How much revenue does COMMUNITY TRUST CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $15,330,009, expenses of $12,349,547 and total assets of $331,300,013 at year end.
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All nonprofits in GURNEE · Illinois · Public and societal benefit