Nonprofit · EIN 36-3047069
HEALTHCARE ASSOCIATES CREDIT UNION
Also known as 2487
Tax-exempt · LISLE, IL 60532
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $29,026,970 | $26,842,913 | $2,184,057 | $479,437,833 | $420,854,064 | $58,583,769 |
| December 31, 2024 | 990 | $28,435,417 | $25,053,170 | $3,382,247 | $464,792,724 | $414,130,808 | $50,661,916 |
| December 31, 2023 | 990 | $24,596,802 | $21,173,971 | $3,422,831 | $459,830,529 | $413,482,805 | $46,347,724 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $24,035,166
- Investment income
- $4,980,488
- Other revenue
- $11,316
Expenses
- Grants and similar amounts paid
- $0
- Benefits paid to members
- $6,244,918
- Compensation of officers, directors and key employees
- $1,999,287
- Other salaries and wages
- $3,513,158
- Salaries, compensation and benefits (total)
- $7,258,821
- Professional fundraising fees
- $0
- Legal fees
- $36,541
- Accounting fees
- $246,201
- Occupancy
- $875,380
- Depreciation
- $525,518
Balance sheet and other
- Total assets, start of year
- $464,792,724
- Total assets, end of year
- $479,437,833
- Total liabilities, end of year
- $420,854,064
- Net assets, end of year
- $58,583,769
- Land, buildings and equipment
- $2,764,407
- Gross unrelated business income
- $56,548
- Gross receipts
- $29,026,970
- Employees
- 74
- Volunteers
- 1
- Year formed
- 1979
- 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 | Other / benefits |
|---|---|---|---|---|
| JOSEPH J KREGUL | PRESIDENT/CEO Trustee or director, Officer | 50 | $468,896 | $61,248 |
| TODD NIEDERMEIER | SVP/COO Officer | 50 | $300,233 | $73,659 |
| ADAM T DUMOULIN | SVP/CFO Officer | 50 | $239,885 | $89,673 |
| JASON BADE | VP INFORMATION TECHNOLOGY Key employee | 50 | $246,865 | $23,220 |
| ELIAN M CABAN | VP MEMBER SERVICES Key employee | 55 | $201,589 | $24,821 |
| JORDAN CSEPREGI | VP MARKETING Key employee | 40 | $195,013 | $21,186 |
| JEAN MORRIS | VP LENDING Highest-paid employee | 40 | $145,364 | $39,723 |
| NICHOLAS SPALO | ACCOUNTING MANAGER Highest-paid employee | 40 | $115,772 | $34,226 |
| SHEENA GIGANTE | VP BUSINESS DEVELOPMENT Highest-paid employee | 40 | $134,496 | $13,075 |
| GEORGE DETTLOFF | COMPLIANCE MANAGER Highest-paid employee | 40 | $101,776 | $32,799 |
| JACK A GILBERT | CHAIRMAN Trustee or director, Officer | 1 | $10,300 | $0 |
| VINCE D KEENAN | TREASURER/SECRETARY (FROM 2/25) Trustee or director, Officer | 1 | $7,100 | $0 |
| KENNETH J ROJEK | TREAS./SEC.(THROUGH 2/25)/DIRECTOR Trustee or director, Officer | 1 | $6,800 | $0 |
| KENNETH C ROBBINS | DIRECTOR Trustee or director | 1 | $5,300 | $0 |
| WILLIAM J HUFF | DIRECTOR Trustee or director | 1 | $4,700 | $0 |
6 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| LUCY ZIELINSKI | DIRECTOR Trustee or director | 1 | $4,700 |
| DEAN COMBER | DIRECTOR (FROM 2/25) Trustee or director | 1 | $3,900 |
| SAMEER SHAH | DIRECTOR (FROM 2/25) Trustee or director | 1 | $3,900 |
| EDWARD HOLZHAUER | VICE CHAIRMAN (FROM 2/25) Trustee or director, Officer | 1 | $3,600 |
| JAMES MARSEILLE | DIRECTOR (THROUGH 6/25) Trustee or director | 1 | $2,700 |
| DAYLA L RANDOLPH | VICE CHAIR (THROUGH 2/25)/DIRECTOR Trustee or director, Officer | 1 | $0 |
990 for the year ended December 31, 2024: 20 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JOSEPH J KREGUL | PRESIDENT/CEO Trustee or director, Officer | 50 | $580,428 | $59,725 |
| TODD NIEDERMEIER | SVP/COO Officer | 50 | $288,276 | $71,516 |
| ADAM T DUMOULIN | SVP/CFO Officer | 50 | $211,050 | $62,299 |
| JASON BADE | VP INFORMATION TECHNOLOGY Key employee | 50 | $208,573 | $20,237 |
| ELIAN M CABAN | VP MEMBER SERVICES Key employee | 55 | $190,696 | $24,029 |
| JORDAN CSEPREGI | VP MARKETING Key employee | 40 | $189,335 | $20,433 |
| JEAN MORRIS | VP LENDING Highest-paid employee | 40 | $135,729 | $37,851 |
| JANETTE KEO | VP BUSINESS DEVELOPMENT Highest-paid employee | 40 | $122,082 | $49,647 |
| NICHOLAS SPALO | ACCOUNTING MANAGER Highest-paid employee | 40 | $111,328 | $32,782 |
| MICHELLE SUNGREN | ANALYST TEAM MANAGER Highest-paid employee | 40 | $130,098 | $13,976 |
| SHEENA GIGANTE | AVP SALES, SERVICE & TRAINING Highest-paid employee | 40 | $111,248 | $10,832 |
| JACK A GILBERT | CHAIRMAN Trustee or director, Officer | 1 | $8,000 | $0 |
| JAMES MARSEILLE | DIRECTOR Trustee or director | 1 | $4,300 | $0 |
| VINCE D KEENAN | DIRECTOR Trustee or director | 1 | $4,200 | $0 |
| KENNETH J ROJEK | PAST CHAIRMAN, TREASURER/SECRETARY Trustee or director, Officer | 1 | $4,000 | $0 |
| KENNETH C ROBBINS | DIRECTOR Trustee or director | 1 | $3,700 | $0 |
| LUCY ZIELINSKI | DIRECTOR Trustee or director | 1 | $3,700 | $0 |
| WILLIAM J HUFF | DIRECTOR Trustee or director | 1 | $3,400 | $0 |
| DAYLA L RANDOLPH | VICE CHAIRMAN Trustee or director, Officer | 1 | $0 | $0 |
| EDWARD HOLZHAUER | DIRECTOR Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 20 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JOSEPH J KREGUL | President/CEO Trustee or director, Officer | 50 | $611,237 | $35,934 |
| TODD NIEDERMEIER | SVP/COO Officer | 50 | $274,957 | $78,276 |
| ADAM T DUMOULIN | VP Accounting & Finance Key employee | 50 | $180,078 | $55,336 |
| ELIAN M CABAN | VP Member Services Key employee | 55 | $184,828 | $22,186 |
| JENNIFER Marie Albertalli | SVP/Strategic Initiatives (Through July 2023) Officer | 50 | $151,699 | $44,815 |
| Jean Morris | AVP Loan Operations Highest-paid employee | 40 | $131,872 | $36,094 |
| Jordan Csepregi | VP Marketing Highest-paid employee | 40 | $145,278 | $15,537 |
| Sheena Gigante | AVP Sales, Service & Training Highest-paid employee | 40 | $100,367 | $46,087 |
| Nicholas Spalo | Accounting Manager Highest-paid employee | 40 | $105,938 | $30,674 |
| Michelle Sungren | Analyst Team Manager Highest-paid employee | 40 | $118,190 | $12,800 |
| Dayla L Randolph | VICE CHAIRMAN Trustee or director, Officer | 1 | $0 | $0 |
| JACK A GILBERT | Chairman Trustee or director, Officer | 1 | $0 | $0 |
| KENNETH J ROJEK | Past Chairman, Treasurer/Secretary Trustee or director, Officer | 1 | $0 | $0 |
| Edward Holzhauer | Director (Beginning Feb 2023) Trustee or director | 1 | $0 | $0 |
| James Marseille | Director (Beginning Feb 2023) Trustee or director | 1 | $0 | $0 |
| KENNETH C ROBBINS | Director Trustee or director | 1 | $0 | $0 |
| Lucy Zielinski | Director Trustee or director | 1 | $0 | $0 |
| Terri L Allen | Director (Through Feb 2023) Trustee or director | 1 | $0 | $0 |
| Vince D Keenan | Director Trustee or director | 1 | $0 | $0 |
| WILLIAM J HUFF | Director Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 2441 WARRENVILLE RD, LISLE, IL 60532-3664
- Principal officer (990 for 2025)
- JOSEPH J KREGUL, PO BOX 3053, NAPERVILLE, IL 60566
- Signed the 990
- JOSEPH J KREGUL, PRESIDENT/CEO
- Phone
- (630) 276-5555
- Website
- WWW.HACU.ORG
- Return prepared by
- CROWE LLP
Mission
THE MISSION OF HEALTHCARE ASSOCIATES CREDIT UNION IS TO ENCOURAGE THRIFT AMONG ITS MEMBERS AND CREATE A SOURCE OF REASONABLE CREDIT.
Program accomplishments
- LOANS ARE GRANTED TO INDIVIDUALS WHO ARE MEMBERS THAT ARE IN GOOD STANDING WITH THE CREDIT UNION AND WHO QUALIFY FOR SUCH LOANS. LOANS PROVIDED CONSIST OF HOME EQUITY, CREDIT CARD, AND VEHICLE LOANS. ALSO, SHAREDRAFT ACCOUNTS ARE OFFERED AT A NO-MONTHLY FEE BASIS TO THOSE MEMBERS WHO APPLY AND ARE IN GOOD STANDING WITH THE CREDIT UNION. AS WELL AS, ATM/DEBIT CARDS AND CHECKCARDS ARE AVAILABLE TO MEMBERS WHO APPLY FOR ELECTRONIC ACCESS TO THEIR ACCOUNTS FOR DEPOSIT AND WITHDRAWAL OF FUNDS AND ACCOUNT INFORMATION.
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
- 36-3047069
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1979
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $479,437,833
- Income (IRS master file)
- $29,026,970
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $29,026,970 | $26,842,913 | $479,437,833 | IRS |
| 990 | December 2024 | $28,435,417 | $25,053,170 | $464,792,724 | IRS |
| 990 | December 2023 | $24,596,802 | $21,173,971 | $459,830,529 | XML |
| 990 | December 2022 | $20,273,181 | $16,796,824 | $455,322,003 | 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 36-3047069).
Questions about HEALTHCARE ASSOCIATES CREDIT UNION
- What is the EIN of HEALTHCARE ASSOCIATES CREDIT UNION?
- The employer identification number (EIN) of HEALTHCARE ASSOCIATES CREDIT UNION is 36-3047069.
- Is HEALTHCARE ASSOCIATES CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1979.
- Are donations to HEALTHCARE ASSOCIATES CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does HEALTHCARE ASSOCIATES 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 HEALTHCARE ASSOCIATES 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 HEALTHCARE ASSOCIATES 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 HEALTHCARE ASSOCIATES CREDIT UNION?
- The 990 for the year ended December 31, 2025 names JOSEPH J KREGUL.
- Who are the officers and directors of HEALTHCARE ASSOCIATES CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 21 people; 20 received compensation from the organization, the highest $468,896 (JOSEPH J KREGUL, PRESIDENT/CEO).
- How much revenue does HEALTHCARE ASSOCIATES CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $29,026,970, expenses of $26,842,913 and total assets of $479,437,833 at year end.
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