2026-04-09T17:03:11-05:00 2025-12-31 990 2025-01-01 361932435 COMMUNITY TRUST CREDIT UNION COMM 8476622050 1313 SKOKIE HWY GURNEE IL 60031 CAROL ANALLA CEO 8476622050 2026-04-09 2025 2025-03-06 01:10:19Z CAROL ANALLA 1313 SKOKIE HWY GURNEE IL 60031 15330009 0 X WWW.CTCU.ORG X 1933 IL TO ASSIST OUR MEMBERS IN THE MANAGEMENT OF THEIR FINANCIAL WELL BEING BY PROVIDING LOANS, SAVINGS ACCOUNTS, AND OTHER FINANCIAL INSTITUTION SERVICES. 7 7 72 8 0 0 0 0 8814155 9079528 6336278 6250481 0 0 15150433 15330009 0 0 0 0 4248429 4653396 0 0 0 7847179 7696151 12095608 12349547 3054825 2980462 317252105 331300013 282299516 293366962 34952589 37933051 TO ASSIST OUR MEMBERS IN THE MANAGEMENT OF THEIR FINANCIAL WELL BEING BY PROVIDING LOANS, SAVINGS ACCOUNTS, AND OTHER FINANCIAL INSITUTION SERVICES. 0 0 PROVIDED CONSUMER LOANS TO 6,783 MEMBERS. PROVIDED HOME BANKING SERVICES TO 11,295 MEMBERS. RECEIVED DEPOSITS ON SAVINGS FROM 13,431 MEMBERS 0 0 1 0 0 0 0 0 0 1 1 0 0 1 0 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 4347 0 1 72 1 0 0 0 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 0 0 1 1 1 1 1 1 1 0 X CAROL ANALLA 8476622050 1313 SKOKIE HIGHWAY GURNEE IL 60031 DAN KLOCZKOWSKI CHAIRMAN 1.00 X 0 0 0 HENRY HANK GOVEKAR VICE CHAIRMAN 1.00 X 0 0 0 JESSICA HIETT TREASURER 1.00 X 0 0 0 ANDREW DALLSTREAM SECRETARY 1.00 X 0 0 0 COREY CLARK DIRECTOR 1.00 X 0 0 0 FRED FRIEDL DIRECTOR 1.00 X 0 0 0 LINDA WEGGE-SLIPKE DIRECTOR 1.00 X 0 0 0 CAROL ANALLA CHIEF EXECUTIVE OFFICER 50.00 X 358771 0 0 JOSH VISSERING CHIEF FINANCIAL OFFICER 50.00 X 178505 0 0 MICHELE COLE CHIEF SERVICE OFFICER 50.00 X 189568 0 0 CATHERINE HILL CHIEF RISK OFFICER 50.00 X 180713 0 0 JOSE NUNEZ VICE PRESIDENT OF IT 50.00 X 143343 0 0 MICHAEL LENZI MARKETING DIRECTOR 50.00 X 117970 0 0 NICOLE VOSTATEK DIGITAL SERVICES DIRECTOR 50.00 X 130454 0 0 MICHELE HALLGREN RETAIL OPERATIONS DIRECTOR 50.00 X 115453 0 0 BETTINA GOLWITZER VICE PRESIDENT OF HR 50.00 X 149041 0 0 1563818 0 0 9 0 1 0 0 INCOME FROM LOANS TO MEMBERS 900099 7065559 7065559 INCOME FROM FEES AND CHARGES 900099 2013969 2013969 9079528 6250481 6250481 15330009 9079528 0 6250481 907558 2968497 137769 378922 260650 8897 48224 172943 1553765 1043112 667593 6654 27448 406061 113392 DIVIDENDS TO MEMBERS 2980099 LOAN SERVICING EXPENSE 485141 CREDIT LOSS PROVISION 182822 12349547 1415112 1730192 83591624 78028224 19406 0 126591996 132600407 576157 604649 17260680 7757099 9638015 9503581 47998085 60999149 43305000 43505090 984932 1073798 3131778 3254923 317252105 331300013 2044008 2246409 280255508 291120553 282299516 293366962 X 0 0 0 0 34952589 37933051 34952589 37933051 317252105 331300013 2980462 0 X X 0 1 X 1 0 3100 3100 3100 1 CREDIT UNION POLITICAL ACTION COUNCIL 1807 WEST DIEHL ROAD PO BOX 3107 NAPERVILLE IL 605667107 363092340 3100 PART I-A, LINE 1: SCHEDULE C, PART1A, LINE 1: THE ORGANIZATION'S ONLY POLITICAL ACTIVITY IS THE CONTRIBUTION TO THE CREDIT UNION POLITICAL ACTION COUNCIL THAT IS REPORTED IN PARTS 1A AND 1C OF THIS SCHEDULE. PART I-A, LINE 1 THE ORGANIZATION'S ONLY POLITICAL ACTIVITY IS THE CONTRIBUTION TO THE CREDIT UNION POLITICAL ACTION COUNCIL THAT IS REPORTED IN PARTS 1A AND 1C OF THIS SCHEDULE. 2465690 2465690 10844955 4187107 6657848 397912 397912 0 1284378 1163292 121086 2267745 2008788 258957 9503581 CERTIFICATES OF DEPOSIT 42602000 C CUSO INVESTMENT, FHLB STOCK AND CORPORATE CREDIT UNION MEMBERSHIP 903090 C 43505090 MEMBER SHARES 291120553 291120553 15330009 0 15330009 0 15330009 12349543 0 12349543 4 4 12349547 PART XII, LINE 4B - OTHER ADJUSTMENTS: IMMATERIAL ROUNDING DIFFERENCE PART X, LINE2: THE CREDIT UNION'S AUDITED FINANCIAL STATEMETNS NOTE THERE ARE NO LIABILITIES FOR UNCERTAIN TAX POSITIONS IN ACCORDANCE WITH GUIDANCE FROM FASB, BECAUSE IT WAS DETERMINED THAT NO FIN 48 ISSUES REQUIRING DISCLOSURE EXIST WITH RESPECT TO THIS CREDIT UNION. X X 0 0 0 CAROL ANALLA CHIEF EXECUTIVE OFFICER 309216 0 49555 0 0 0 0 0 0 0 358771 0 0 0 MICHELE COLE CHIEF SERVICE OFFICER 165576 0 23992 0 0 0 0 0 0 0 189568 0 0 0 CATHERINE HILL CHIEF RISK OFFICER 157679 0 23034 0 0 0 0 0 0 0 180713 0 0 0 JOSH VISSERING CHIEF FINANCIAL OFFICER 155823 0 22682 0 0 0 0 0 0 0 178505 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 A MEMBER IS DEFINED AS AN INDIVIDUAL WITHIN OUR MEMBERSHIP AREA THAT HAS THE REQUIRED SHARE DEPOSIT AT THE CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 7A EVERY PERSON WITH THE REQUIRED SHARE DEPOSIT AT THE INSTITUTION IS CONSIDERED A MEMBER. EACH MEMBER HAS THE RIGHT TO VOTE FOR ELECTED BOARD MEMBERS AT THE ANNUAL MEETING. FORM 990, PART VI, SECTION A, LINE 7B EACH MEMBER HAS THE RIGHT TO VOTE FOR OR AGAINST POTENTIAL BOARD MEMBERS AT THE ANNUAL MEETING. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS COMPILED BY THE CFO AND REVIEWED BY THE CFO AND CEO. FORM 990, PART VI, SECTION B, LINE 12C THE INTERNAL AUDIT DEPARTMENT REVIEWS REPORTS DAILY TO ENSURE EMPLOYEES ARE COMPLYING WITH THE CONFLICT OF INTEREST POLICY. FORM 990, PART VI, SECTION B, LINE 15 THE CREDIT UNION USES A THIRD PARTY TO OBTAIN COMPENSATION RANGES. THE THIRD PARTY USES LOCAL CREDIT UNION PAY SCALES AS WELL AS INFORMATION FROM NATIONWIDE SALARY SURVEYS. THE HR DIRECTOR REVIEWS WITH UPPER MANAGEMENT BEFORE FINALIZING THE COMPENSATION RANGES WHICH ARE THEN REVIEWED BY THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION C, LINE 19 A FINANCIAL STATEMENT OF CONDITION (BALANCE SHEET) IS POSTED AT EACH BRANCH LOCATION AND UPDATED MONTHLY. OTHER PUBLIC DOCUMENTS ARE ISSUED ON REQUEST. PART XII, LINE 2C FORM 990, PART XII, LINE 2C: THE CFO IS RESPONSIBLE FOR THE OVERSIGHT OF THE FINANCIAL STATEMENT AUDITED BY AN INDEPENDENT ACCOUNTANT. THERE HAS BEEN NO CHANGE IN THE OVERSIGHT OR SELECTION PROCESS FROM THE PREVIOUS YEAR.