2026-09-21T09:53:20-05:00 2025-12-31 251031723 H2R CPA 875 GREENTREE RD BLDG 7 STE 1000 PITTSBURGH PA 15220 990 2025-01-01 250522060 GCU GCU 7244953400 5400 TUSCARAWAS ROAD BEAVER PA 15009 TIMOTHY DEMETRES CFO 7244953400 2026-09-21 1 LEO A HANNAH P00950147 4123912920 2026-09-21 2025 TIMOTHY DEMETRES 5400 TUSCARAWAS ROAD BEAVER PA 15009 664176235 0 X WWW.GCUUSA.COM X FRATERNAL 1893 PA THE MISSION OF GCU (F/K/A THE GREEK CATHOLIC UNION OF THE USA) IS TO PROVIDE FINANCIAL AND FRATERNAL BENEFITS TO ITS MEMBERS AND TO EDUCATE MEMBERS ON THE BYZANTINE CULTURE AND HERITAGE. 11 11 97 1025 0 0 0 0 375021225 273832899 125891558 104131158 177677 149804 501090460 378113861 98250 102750 393481120 359221506 6360688 6647561 0 0 0 106871471 42997387 506811529 408969204 -5721069 -30855343 2781925543 2794081554 2574949078 2597946294 206976465 196135260 X GCU PROVIDES A FULL RANGE OF ANNUITY AND INSURANCE PRODUCTS TO MEET ITS MEMBERS' FINANCIAL EXPECTATIONS. WITH THE PROFITS GENERATED FROM THOSE SALES, THE SOCIETY PARTICIPATES IN A NUMBER OF COMMUNITY PROJECTS. THESE PROJECTS INCLUDE FUNDRAISING, DONATING TO AND VOLUNTEERING AT HOMELESS SHELTERS, FOOD BANKS, PUBLIC LIBRARIES, DAY CARE CENTERS, SCHOOLS FOR THE BLIND, HOMES FOR PREGNANT TEENS, ETC. IN ADDITION, THE SOCIETY REMAINS A SIGNIFICANT BENEFACTOR TO THE SS. CYRIL & METHODIUS BYZANTINE CATHOLIC SEMINARY LOCATED IN PITTSBURGH, PENNSYLVANIA FOR THE EDUCATION OF THEIR PRIESTS. 0 0 AS OF 12/31/25, THERE WERE 26,055 LIFE INSURANCE POLICIES IN FORCE WITH $344,872,000 OF INSURANCE. THERE WERE ALSO 35,102 ANNUITY CONTRACTS IN FORCE WITH A VALUE OF $2,398,282,322. BOTH LIFE INSURANCE POLICIES AND ANNUITY CONTRACTS SUPPORT OUR MEMBERS AND THE PROFITS THEREFROM SERVE AS THE FOUNDATION FOR OUR COMMUNITY-BASED PROGRAMS. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 1 13298 0 1 97 1 0 0 0 0 0 0 0 0 X 11 11 0 0 0 0 1 1 0 1 1 0 1 1 1 1 1 1 1 1 1 1 0 CA X TIMOTHY DEMETRES 7244953400 5400 TUSCARAWAS ROAD BEAVER PA 15009 MICHAEL KARAFFA DIRECTOR 20.00 X 35219 0 0 DAVID OLEKSA DIRECTOR 20.00 X 35219 0 0 STEPHEN BEDNAR DIRECTOR 20.00 X 35219 0 0 FATHER VALERIAN MICHLIK DIRECTOR 20.00 X 36225 0 0 JOHN URBAN DIRECTOR 20.00 X 42231 0 0 MARIA SILVESTRI DIRECTOR 20.00 X 35219 0 0 GEORGE BATYKO JR DIRECTOR 20.00 X 36978 0 0 GEORGE KOFEL JR DIRECTOR 20.00 X 51089 0 0 MELANIE BASL DIRECTOR 20.00 X 40002 0 0 LISA GULIBON DIRECTOR 20.00 X 35219 0 0 GREGORY N VLADIKA DIRECTOR 20.00 X 35219 0 0 GEORGE N JUBA PRESIDENT/CEO (RETIRED 6/10/25) 40.00 X 180090 0 14490 THEODORE TRBOVICH GENERAL COUNSEL 20.00 X 101936 0 0 JEREMY STEPHENSON CEO & COO (AS OF 6/10/25) 40.00 X 292004 0 26025 TIMOTHY DEMETRES CFO 40.00 X 374984 0 10733 BRYAN T O'SHAUGHNESSY HIGHLY COMPENSATED EMPLOYEE 40.00 X 168915 0 28980 JOHN LUKSA HIGHLY COMPENSATED EMPLOYEE 40.00 X 121585 0 30068 JEREMY NICHOLS HIGHLY COMPENSATED EMPLOYEE 40.00 X 155608 0 30068 WILLIAM SCHULOK HIGHLY COMPENSATED EMPLOYEE 40.00 X 173700 0 30068 TIMOTHY CASSIDY HIGHLY COMPENSATED EMPLOYEE 40.00 X 151313 0 405 2137974 0 170837 10 0 1 0 SOLUTIONS 3000 8101 AGARITA DRIVE AUSTIN TX 78737 INDEPENDENT SERVICE/AGENT 1170740 AMERICAN SENIOR BENEFITS LLC 12722 S BLACKBOB ROAD OLATHE KS 66062 INDEPENDENT SERVICE/AGENT 1046747 MATTHEW ZAGULA 3660 PENNSYLVANIA AVENUE WEIRTON WV 26062 INDEPENDENT SERVICE/AGENT 524540 NELSON INSURANCE ADVISORS 136 GRUBB LANE BRISTOL TN 37620 INDEPENDENT SERVICE/AGENT 484152 RANDY S BADEN 71 N BALPH AVENUE PITTSBURGH PA 15202 INDEPENDENT SERVICE/AGENT 443542 26 FRATERNAL INSURANCE PREMIUMS AND 524292 272449683 272449683 AMORTIZATION OF INTEREST MAINTENA 524292 693166 693166 PENSION PLAN INCOME 524292 572049 572049 COMMISSIONS ON REINSURANCE 524292 118001 118001 273832899 125326507 125326507 1353565 1207749 145816 145816 145816 263659276 284854625 -21195349 -21195349 -21195349 MISCELLANEOUS INCOME 524292 3988 3988 3988 378113861 378113861 0 0 X 102750 359221506 1418101 4090156 197679 862924 78701 139467 372481 1104925 996954 103706 133836 779390 352986 180474 63135 996344 9735 155967 INCREASE IN CERTIFICATE 20183655 COMMISSIONS, NET OF REI 12947662 PROJECT COSTS 1880236 FRATERNAL ACTIVITIES 1041678 1554756 408969204 36160132 40954672 1132250 500000 613903 407352 204328 430967 17542693 3673565 14263326 13869128 2611917821 2600977454 86461409 95380503 31172374 41561478 2781925543 2794081554 3462967 4987491 2571486111 2592958803 2574949078 2597946294 X 0 0 0 0 206976465 196135260 206976465 196135260 2781925543 2794081554 X -30855343 2927111 17087027 X X 0 1 X 1 0 1461167 1461167 16081526 3673565 12407961 13869128 EMPLOYEE PENSION RESERVE 6482466 RESERVE FOR LIFE CERTIFICATES AND CONTRACTS 2503319049 RESERVE FOR ACCIDENT AND HEALTH CONTRACTS 137466 DEPOSIT TYPE CONTRACTS 39845982 ASSET VALUATION RESERVE 43153831 UNEARNED PREMIUMS 20009 2592958803 401081883 25770843 25770843 375311040 2657005 145816 2802821 378113861 407615948 1303749 1303749 406312199 2657005 2657005 408969204 PART XI, LINE 2D - OTHER ADJUSTMENTS: SELF CHARGED RENT 96,000. OTHER INVESTMENT EXPENSES - NOT NETTED FOR 990 PURPOSES (PRESENTATION ONLY) 1,353,565. REALIZED CAPITAL GAIN TRANSFERRED TO IMR FOR F/S PURPOSES 24,321,278. PART XI, LINE 4B - OTHER ADJUSTMENTS: OTHER NET RENTAL INCOME 145,816. PART XII, LINE 2D - OTHER ADJUSTMENTS: OCCUPANCY EXPENSES TO OFFSET SELF-CHARGED RENT 96,000. OTHER INVESTMENT EXPENSES - NOT NETTED FOR 990 PURPOSES (PRESENTATION ONLY) 1,207,749. 0 SCHOLARSHIPS 49 91750 CASH STUDENT DEBT PROGRAM AWARDS 11 11000 CASH PART IV: SUPPLEMENTAL INFORMATION CANDIDATES FOR SCHOLARSHIPS HAVE TO PREQUALIFY AND WRITE AN ESSAY FOR REVIEW BY THE COMMITTEE. SCHOLARSHIPS ARE PAID DIRECTLY TO THE STUDENT AND CAN ONLY BE USED FOR IRS QUALIFIED TUITION AND EDUCATIONAL MATERIALS. THE HIGHEST AMOUNT THAT CAN BE AWARDED TO A RECIPIENT ON AN ANNUAL BASIS IS $2,000. AMOUNTS ARE AWARDED FOR THE RELIEF OF STUDENT DEBT, BASED ON THE NEED OF THE STUDENT, AND HIS/HER HIGH ACADEMIC ACHIEVEMENT. X 1 1 X X 0 0 0 TIMOTHY DEMETRES CFO 374984 0 0 0 0 0 0 0 10733 0 385717 0 0 0 JEREMY STEPHENSON CEO & COO (AS OF 6/10/25) 292004 0 0 0 0 0 0 0 26025 0 318029 0 0 0 WILLIAM SCHULOK HIGHLY COMPENSATED EMPLOYEE 173700 0 0 0 0 0 0 0 30068 0 203768 0 0 0 BRYAN T O'SHAUGHNESSY HIGHLY COMPENSATED EMPLOYEE 168915 0 0 0 0 0 0 0 28980 0 197895 0 0 0 GEORGE N JUBA PRESIDENT/CEO (RETIRED 6/10/25) 180090 0 0 0 0 0 0 0 14490 0 194580 0 0 0 JEREMY NICHOLS HIGHLY COMPENSATED EMPLOYEE 155608 0 0 0 0 0 0 0 30068 0 185676 0 0 0 TIMOTHY CASSIDY HIGHLY COMPENSATED EMPLOYEE 151313 0 0 0 0 0 0 0 405 0 151718 0 0 0 JOHN LUKSA HIGHLY COMPENSATED EMPLOYEE 121585 0 0 0 0 0 0 0 30068 0 151653 0 0 0 PART I, LINE 1A REPORTED ON FORM 1099-MISC. FORM 990, PART VI, SECTION A, LINE 6 MEMBERSHIP SHALL BE EXTENDED TO ANY PERSON IN ACCORDANCE WITH THE REQUIREMENTS AND LIMITATIONS SET FORTH IN THE CHARTER, THE BY-LAWS, AND THE ACTIONS OF THE BOARD. FORM 990, PART VI, SECTION A, LINE 7A MEMBERS ELECT THE BOARD OF DIRECTORS TO SERVE FOUR-YEAR TERMS. OFFICERS ARE APPOINTED BY THE DIRECTOR. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 WILL BE DISTRIBUTED TO BOARD MEMBERS PRIOR TO THE EXTENDED DUE DATE OF THE TAX RETURN. THE PARTNER OF THE ACCOUNTING FIRM WILL REVIEW THE FORM 990 AND ANSWER ANY QUESTIONS BOARD MEMBERS MAY HAVE. FORM 990, PART VI, SECTION B, LINE 12C ANNUAL CONFLICT OF INTEREST STATEMENTS ARE REVIEWED BY THE GOVERNANCE COMMITTEE. THE CEO ADVISES ON ANY CONFLICTS DISCLOSED. FORM 990, PART VI, SECTION B, LINE 15 REVIEWED BY THE COMPENSATION COMMITTEE AND APPROVED BY THE BOARD. FORM 990, PART VI, SECTION C, LINE 19 UPON REQUEST, GCU WILL MAKE ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY AND FINANICAL STATEMENTS AVAILABLE FOR PUBLIC INSPECTION AT GCU'S HOME OFFICE. FORM 990, PART IX, LINE 11G ACTUARIAL FEES 553,911. COMPUTER/REAL ESTATE/PENSION PLAN 101,612. HUMAN RESOURCES FEES 283,723. MEDICAL EXAMINATION FEES 43,955. UNDERWRITING FEES 13,753. FORM 990, PART IX, LINE 24E OTHER TAXES 439,121. REFUNDS TO MEMBERS 298,169. CREDIT CARD/ BANK CHARGES 162,972. POSTAGE 155,078. STATE INSURANCE LICENSING FEES 111,453. HONORARIUM 81,752. TELEPHONE 77,802. PUBLICATIONS 67,051. INSPECTION REPORT FEES 52,674. DUES 48,551. EQUIPMENT RENTAL 31,502. OFFSITE DR/BC EXPENSES 18,716. DATA PROCESSING 9,915. FORM 990, PART XI, LINE 9: CHANGE IN NON-ADMITTED ASSETS -2,175,952. NET INCOME OF SUBSIDIARIES - GCU HOLDING COMPANY, INC. 328,332. CHANGE IN ASSET VALUATION RESERVE -5,392,742. REALIZED CAPITAL LOSSES TRANSFERRED TO IMR FOR F/S PURPOSES 24,321,278. CHANGE IN PENSION ASSET/LIABILITY 6,111. FORM 990, PART XII, LINE 2C: NO CHANGE TO THE AUDIT COMMITTEE IN THE CURRENT YEAR. GCU HOLDING COMPANY INC 5400 TUSCARAWAS ROAD BEAVER PA 15220 251736684 HOLDING COMPANY PA GCU C 328332 1.00000 0 0 0 0 1 0 0 0 0 0 0 1 0 0 0 0 0 0 1 0 GCU HOLDING COMPANY INC D 430967 CASH - ACTUAL VALUE GCU HOLDING COMPANY INC K 120000 CASH - ACTUAL VALUE GCU HOLDING COMPANY INC R 41773 CASH - ACTUAL VALUE