2026-09-23T16:30:18+00:00 2025-12-31 440160260 FORVIS MAZARS LLP 211 N BROADWAY SUITE 600 SAINT LOUIS MO 631022733 990 2025-01-01 370560167 UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION UNIV 2172787700 2201 S FIRST STREET CHAMPAIGN IL 618207402 CHRIS HARLAN PRESIDENT/CEO 2172787700 2026-09-23 true TROY LINDSEY P01041237 3142315544 2026-09-23 2025 CHRIS HARLAN 2201 S FIRST STREET CHAMPAIGN IL 618207402 79071113 false X WWW.UOFICREDITUNION.ORG X 1932 IL TO ASSIST OUR MEMBERS IN THE MANAGEMENT OF THEIR FINANCIAL WELL-BEING BY PROVIDING LOANS, SAVINGS ACCOUNTS AND OTHER FINANCIAL SERVICES IN A FRIENDLY AND PROFESSIONAL MANNER. 9 9 220 10 24783 0 0 0 37957876 51042743 7258326 7114093 7525878 0 52742080 58156836 304062 367326 7301362 0 14921636 17105682 0 0 0 30369565 37878365 52896625 55351373 -154545 2805463 678166388 755508518 623400648 696793167 54765740 58715351 X TO ASSIST OUR MEMBERS IN THE MANAGEMENT OF THEIR FINANCIAL WELL-BEING BY PROVIDING LOANS, SAVINGS ACCOUNTS AND OTHER FINANCIAL SERVICES IN A FRIENDLY AND PROFESSIONAL MANNER. true false CREDIT UNION SAVINGS AND CHECKING PROGRAMS: SERVICED 30,711 SHARE DRAFT ACCOUNTS, 73,807 SHARE SAVINGS ACCOUNTS, 3,641 MONEY MARKET ACCOUNTS, 1,531 IRA ACCOUNTS, AND 4,887 CERTIFICATE ACCOUNTS. CREDIT UNION LOAN PROGRAMS: PROVIDED 11 COMMERCIAL LOANS, 27,009 CREDIT CARDS TO MEMBERS, AND 24,624 CONSUMER AND REAL ESTATE LOANS. SUPPORT ALL BUSINESS RELATED MEMBER SERVICES. 0 false false true false false false false false false false true false false false true true true false false false false false false false false false false true false true false false false false false true false false false false false false false false false false false false false false true 72 0 true 220 true true true false false false false false false false X 9 9 false false false false true true true true true false true true false true true false true true true true false false X TRAVIS VERMILLION 2172787700 2201 S FIRST STREET CHAMPAIGN IL 61820 AARON CARTER VICE CHAIRPERSON 1.0 0.0 X X 0 0 0 ANNI MCCLELLAN BOARD CHAIRPERSON 1.0 0.0 X X 0 0 0 CHRISTOPHER RANDLES BOARD TREASURER 1.0 0.0 X X 0 0 0 JANE SOLON BOARD SECRETARY 1.0 0.0 X X 0 0 0 NAPOLEON KNIGHT BOARD MEMBER 1.0 0.0 X 0 0 0 PHILLIP ROWELL BOARD MEMBER AND SUPERVISORY COMMITTEE MEMBER 1.0 0.0 X 0 0 0 SARAH CRANE BOARD MEMBER 1.0 0.0 X 0 0 0 SUZANNE SAMPSON BOARD MEMBER AND SUPERVISORY COMMITTEE CHAIRPERSON 1.0 0.0 X 0 0 0 TOM DEWITT BOARD MEMBER AND SUPERVISORY COMMITTEE MEMBER 1.0 0.0 X 0 0 0 CHRIS HARLAN PRESIDENT / CEO 40.0 0.0 X 442073 0 46759 GREG ANDERSON SENIOR VICE PRESIDENT 40.0 0.0 X 178513 0 40378 JENNIFER PEYTON SENIOR VICE PRESIDENT, CONTROLLER 40.0 0.0 X 213537 0 47453 KATE ROGERS SENIOR VICE PRESIDENT/CHIEF INNOVATION AND CORPORATE STRATEGY OFFICER 40.0 0.0 X 213595 0 33007 KIM CHEEK SENIOR VICE PRESIDENT EMPLOYEE ADVOCACY 40.0 0.0 X 244208 0 41380 LISA PAUL SENIOR VICE PRESIDENT MEMBER EXPERIENCE & MARKETING 40.0 0.0 X 205711 0 29690 STACEY RUSSELL SENIOR VICE PRESIDENT/CHIEF RISK OFFICER 40.0 0.0 X 207062 0 36515 SUSAN TOALSON MCGINTY EXECUTIVE VICE PRESIDENT/CHIEF GROWTH & ADVOCACY OFFICER 40.0 0.0 X 225423 0 19854 TRAVIS VERMILLION EXECUTIVE VICE PRESIDENT/CHIEF FINANCIAL OFFICER 40.0 0.0 X 227103 0 38785 ZACHARY GRITTON SENIOR VICE PRESIDENT OF IT/CHIEF INFORMATION OFFICER 40.0 0.0 X 213667 0 38142 ANGELA CARR VICE PRESIDENT, COMMERCIAL LENDING 40.0 0.0 X 146820 0 2949 BARBARA ANN MICHAEL MERGER CONTRACT 0.0 0.0 X 172426 0 26276 JENNA HOWE VICE PRESIDENT/CHIEF LENDING OFFICER 40.0 0.0 X 141296 0 17066 KASIE WOODWORTH MORTGAGE LOAN ORIGINATOR 40.0 0.0 X 140947 0 23043 PHILIP DYKSTRA DIRECTOR OF MORTGAGE BUSINESS DEVELOPMENT 40.0 0.0 X 162809 0 31593 3135190 0 472890 29 true true false VELERA 560 CARILLON PARKWAY ST PETERSBURG FL 33716 CREDIT CARD PORTFOLIO MANAGEMENT 2883644 LUMIN 560 CARILLON PARKWAY ST PETERSBURG FL 33716 DIGITAL BANKING VENDOR 1337975 TRUHOME SOLUTIONS 6330 SPRINT PKWY STE 200 OVERLAND PARK KS 66211 MORTGAGE SERVICING 908738 VISA USA PO BOX 8999 SAN FRANCISCO CA 90074 CREDIT CARD PORTFOLIO MANAGEMENT 874407 CDW DIRECT LLC PO BOX 75723 CHICAGO IL 60675 IT SERVICES 640871 22 0 LOAN PROGRAM REVENUE 522100 38837983 38837983 CARD INCOME 522100 6310330 6310330 FEE INCOME 522100 2964992 2940209 24783 INSURANCE INCOME 522100 169954 169954 MORTGAGE BANKING REVENUE 522100 713856 713856 2045628 2045628 0 0 51042743 6814287 6814287 0 0 21214083 20914277 0 299806 299806 299806 0 0 0 0 0 0 58156836 51017960 24783 7114093 367326 2742856 11561110 461449 1274902 1065365 71563 137937 130632 809908 737740 1316352 3712844 602758 157054 232341 14054097 807364 174487 PROVISION FOR LOAN LOSSES 5003149 CREDIT CARD SERVICING EXPENSE 3691500 ATM & DEBIT CARD EXPENSE 2295903 LOAN SERVICING EXPENSE 1543627 2399109 55351373 9385508 5656629 27204056 47103743 1550428 0 8633100 10914446 0 559418830 613420310 3554964 3584245 15684170 7260732 8657295 8423438 38285243 36836904 0 3557788 3825974 17919176 25742829 678166388 755508518 2479678 3223616 0 0 12000000 12000000 608920970 681569551 623400648 696793167 X 0 0 0 0 54765740 58715351 54765740 58715351 678166388 755508518 2805463 1144148 0 X false true true false 0 0 0 0 0 false CREDIT UNION POLITICAL ACTION COUNCIL 1807 W DIEHL ROAD NAPERVILLE IL 60563 363092340 5000 0 SCHEDULE C, PART I-A, LINE 1 DESCRIPTION OF POLITICAL ACTIVITIES THE ORGANIZATION'S ONLY POLITICAL ACTIVITY IS THE CONTRIBUTION TO THE CREDIT UNION POLITICAL ACTION COUNCIL. 2113830 2113830 10598677 5870748 4727929 2971663 1389984 1581679 8423438 FEDERAL INCOME TAXES MEMBER SHARES OF ALL TYPES NONMEMBER DEPOSITS MEMBERS' SHARES AND SAVINGS ACCOUNTS 617331551 BROKERED CERTIFICATES 64238000 681569551 X 58499330 362125 0 0 0 362125 58137205 19631 19631 58156836 55331742 0 -19631 -19631 55351373 0 0 55351373 SCHEDULE D, PART X, LINE 2 FIN 48 (ASC 740) FOOTNOTE THE CREDIT UNION IS EXEMPT, UNDER INTERNAL REVENUE CODE (IRC) 501(C)(14), FROM FEDERAL AND STATE INCOME TAXES. THE CREDIT UNION HAS FILED TAX RETURNS IN THE PAST FOR ACTIVITIES IT HAS DEEMED TAXABLE. THE TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES, AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. IN THE OPINION OF MANAGEMENT, ANY LIABILITY RESULTING FROM TAXING AUTHORITIES IMPOSING INCOME TAXES ON THE NET TAXABLE INCOME FROM ACTIVITIES POTENTIALLY DEEMED TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AT DECEMBER 31, 2025 AND 2024. THE CREDIT UNION'S 2023 THROUGH 2025 TAX YEARS ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES. SCHEDULE D, PART XI, LINE 4(B) OTHER REVENUES IN FORM 990 NOT IN AUDITED FINANCIAL STATEMENTS GAIN ON SALE OF ASSET - 19631 SCHEDULE D, PART XII, LINE 2(D) OTHER EXPENSES IN AUDITED FINANCIAL STATEMENTS NOT IN FORM 990 GAIN ON SALE OF ASSET - -19631 true THE BOARD OF TRUSTEES OF THE UNIVERSITY OF ILLINOIS 506 S WRIGHT ST 209 HAB URBANA IL 61801 376000511 501(C)(3) 289200 DIVISION OF INTERCOLLEGIATE ATHLETICS SPONSORSHIP SUPPORT, UNIVERSITY OF ILLINOIS ($260,000); IFUND STUDENT-ATHLETE SCHOLARSHIP PROGRAM, UNIVERSITY OF ILLINOIS ($19,200); ALLERTON PARK & RETREAT CENTER GENERAL SUPPORT ($10,000) COMMUNITY IMPACT FUND 9250 E COSTILLA AVE GREENWOOD VILLAGE CO 80112 824577516 501(C)(3) 10000 GENERAL PURPOSE VILLAGE OF MAHOMET 503 E MAIN PO BOX 259 MAHOMET IL 61853 376000499 VILLAGE OF MAHOMET 6500 MAHOMET MUSIC FESTIVAL UNITED WAY OF CHAMPAIGN COUNTY 5 DUNLAP CT SAVOY IL 61874 370662519 501(C)(3) 6000 ATHLETIC SCHOLARSHIPS AT THE UNIVERSITY OF ILLINOIS 4 0 SCHEDULE I, PART I, LINE 2 PROCEDURES FOR MONITORING USE OF GRANT FUNDS THE CREDIT UNION HAS A FORMAL WRITTEN POLICY THAT HAS ESTABLISHED CRITERIA FOR EVALUATING REQUESTS FOR CONTRIBUTIONS AND DONATIONS. REQUESTS IN EXCESS OF $1,000.00 REQUIRE WRITTEN APPROVAL OF TWO OFFICERS OF THE CREDIT UNION. APPROVED REQUESTS OVER $5,000.00 MUST BE REPORTED TO THE BOARD OF DIRECTORS AT LEAST ANNUALLY. X true true X X X X false true false CHRIS HARLAN PRESIDENT / CEO 363014 0 79059 0 0 0 20534 0 26225 0 488832 0 0 0 KIM CHEEK SENIOR VICE PRESIDENT EMPLOYEE ADVOCACY 210635 0 33573 0 0 0 31000 0 10380 0 285588 0 0 0 TRAVIS VERMILLION EXECUTIVE VICE PRESIDENT/CHIEF FINANCIAL OFFICER 194658 0 32445 0 0 0 10798 0 27987 0 265888 0 0 0 SUSAN TOALSON MCGINTY EXECUTIVE VICE PRESIDENT/CHIEF GROWTH & ADVOCACY OFFICER 191673 0 33750 0 0 0 10764 0 9090 0 245277 0 0 0 ZACHARY GRITTON SENIOR VICE PRESIDENT OF IT/CHIEF INFORMATION OFFICER 184312 0 29355 0 0 0 10155 0 27987 0 251809 0 0 0 KATE ROGERS SENIOR VICE PRESIDENT/CHIEF INNOVATION AND CORPORATE STRATEGY OFFICER 184240 0 29355 0 0 0 13477 0 19530 0 246602 0 0 0 JENNIFER PEYTON SENIOR VICE PRESIDENT, CONTROLLER 183155 0 30382 0 0 0 22282 0 25171 0 260990 0 0 0 STACEY RUSSELL SENIOR VICE PRESIDENT/CHIEF RISK OFFICER 177707 0 29355 0 0 0 27492 0 9023 0 243577 0 0 0 LISA PAUL SENIOR VICE PRESIDENT MEMBER EXPERIENCE & MARKETING 176356 0 29355 0 0 0 23500 0 6190 0 235401 0 0 0 GREG ANDERSON SENIOR VICE PRESIDENT 178513 0 0 0 0 0 31000 0 9378 0 218891 0 0 0 PHILIP DYKSTRA DIRECTOR OF MORTGAGE BUSINESS DEVELOPMENT 156526 0 6283 0 0 0 9661 0 21932 0 194402 0 0 0 JENNA HOWE VICE PRESIDENT/CHIEF LENDING OFFICER 125228 0 16068 0 0 0 6686 0 10380 0 158362 0 0 0 KASIE WOODWORTH MORTGAGE LOAN ORIGINATOR 140947 0 0 0 0 0 5613 0 17430 0 163990 0 0 0 BARBARA ANN MICHAEL MERGER CONTRACT 172426 0 0 0 0 0 15518 0 10758 0 198702 0 0 0 SCHEDULE J, PART I, LINE 1A TRAVEL FOR COMPANIONS THE CREDIT UNION PAYS FOR SPOUSAL TRAVEL FOR BOARD MEMBERS AND OFFICERS INCLUDING AIRFARE AND EXTRA CHARGES FOR MEALS OUT. SCHEDULE J, PART I, LINE 4B SUPPLEMENTAL NONQUALIFIED RETIREMENT PLAN THE FOLLOWING INDIVIDUALS PARTICIPATED IN THE SERP PLAN, BUT RECEIVED NO PAYOUTS IN 2025: - CHRIS HARLAN - KIM CHEEK - STACEY RUSSELL - TRAVIS VERMILLION - SUSAN TOALSON MCGINTY - ZACHARY GRITTON - KATE ROGERS - LISA PAUL - JENNIFER PEYTON - GREG ANDERSON CHRIS HARLAN PRESIDENT / CEO SPLIT DOLLAR LOAN X 1722197 1792597 false true true KIM CHEEK SENIOR VICE PRESIDENT EMPLOYEE ADVOCACY SPLIT DOLLAR LOAN X 1100000 1182293 false true true ZACHARY GRITTON SENIOR VICE PRESIDENT OF IT/CHIEF INFORMATION OFFICER SPLIT DOLLAR LOAN X 500000 537406 false true true LISA PAUL SENIOR VICE PRESIDENT MEMBER EXPERIENCE & MARKETING SPLIT DOLLAR LOAN X 325000 349314 false true true JENNIFER PEYTON SENIOR VICE PRESIDENT, CONTROLLER SPLIT DOLLAR LOAN X 1200000 1289774 false true true KATE ROGERS SENIOR VICE PRESIDENT / CHIEF INNOVATION AND CORPORATE STRATEGY OFFICER SPLIT DOLLAR LOAN X 500000 537406 false true true STACEY RUSSELL SENIOR VICE PRESIDENT / CHIEF RISK OFFICER SPLIT DOLLAR LOAN X 975000 1047942 false true true TRAVIS VERMILLION EXECUTIVE VICE PRESIDENT / CHIEF FINANCIAL OFFICER SPLIT DOLLAR LOAN X 750000 806109 false true true SUSAN TOALSON MCGINTY EXECUTIVE VICE PRESIDENT / CHIEF GROWTH AND ADVOCACY OFFICER SPLIT DOLLAR LOAN X 2733757 2843447 false true true GREG ANDERSON SENIOR VICE PRESIDENT SPLIT DOLLAR LOAN X 500000 528158 false true true 10914446 FORM 990, PART III, LINE 2 NEW PROGRAM SERVICES THE UNIVERSITY OF ILLINOIS COMMUNITY CREDIT UNION STARTED OFFERING COMMERCIAL LENDING IN 2025. FORM 990, PART VI, LINE 6 CLASSES OF MEMBERS OR STOCKHOLDERS AS A FINANCIAL COOPERATIVE, THE CREDIT UNION HAS MEMBER OWNERS. FORM 990, PART VI, LINE 7A MEMBERS OR STOCKHOLDERS ELECTING MEMBERS OF GOVERNING BODY THE MEMBER OWNERS ELECT THE 9 MEMBER BOARD OF DIRECTORS. FORM 990, PART VI, LINE 7B DECISIONS REQUIRING APPROVAL BY MEMBERS OR STOCKHOLDERS SOME DECISIONS MADE BY THE BOARD OF DIRECTORS MUST BE APPROVED BY THE MEMBERSHIP. FORM 990, PART VI, LINE 11B REVIEW OF FORM 990 BY GOVERNING BODY THE FORM 990 IS PREPARED BY AN ACCOUNTING FIRM BASED ON THE AUDITED FINANCIAL STATEMENTS AND INFORMATION PROVIDED BY THE ORGANIZATION. PRIOR TO FILING, THE FORM 990 IS REVIEWED BY THE CONTROLLER AND THE CFO. FORM 990, PART VI, LINE 15A PROCESS TO ESTABLISH COMPENSATION OF TOP MANAGEMENT OFFICIAL COMPENSATION FOR THE CEO IS DEVELOPED BY THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS WITH GUIDANCE FROM AN INDEPENDENT CONSULTANT WITH INPUT FROM AN ANNUAL SALARY REVIEW. THE PROCESS DESCRIBED HERE WAS LAST COMPLETED IN 2025. FORM 990, PART VI, LINE 15B PROCESS TO ESTABLISH COMPENSATION OF OTHER EMPLOYEES COMPENSATION FOR OTHER OFFICERS IS DEVELOPED BY THE CEO OR OTHER OVERSEEING OFFICERS WITH INPUT FROM AN ANNUAL SALARY REVIEW. THE PROCESS DESCRIBED HERE WAS LAST COMPLETED IN 2025. FORM 990, PART VI, LINE 19 REQUIRED DOCUMENTS AVAILABLE TO THE PUBLIC FINANCIAL STATEMENTS ARE MADE AVAILABLE ON OUR WEBSITE AND UPON REQUEST AT ANY OF OUR BRANCH LOCATIONS. FORM 990, PART VIII, LINE 2F OTHER PROGRAM SERVICE REVENUE ALL OTHER PROGRAM REVENUE - TOTAL REVENUE: 2045628, RELATED OR EXEMPT FUNCTION REVENUE: 2045628, UNRELATED BUSINESS REVENUE: , REVENUE EXCLUDED FROM TAX UNDER SECTIONS 512, 513, OR 514: ;