GCU

Nonprofit profile at a glance

EIN
250522060
IRS 990 coverage
2010–2025
Official website data refreshed
Sep 2026
Forms available
Form 990 2025
Location
Beaver, PA, United States
Phone
855-306-0607
Rating confidence
Limited
Sector
Roman Catholic
Affiliation
Christianity

Official website

Reported finances

Revenue
$378,113,861
Expenses
$408,969,204
Assets
$2,794,081,554
Liabilities
$2,597,946,294

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

20 people listed

Executive titles in this filing

  • GEORGE N JUBA (PRESIDENT/CEO (RETIRED 6/10/25))
  • JEREMY STEPHENSON (CEO & COO (AS OF 6/10/25))

Highest reported compensation

  • TIMOTHY DEMETRES (CFO): $385,717 total reported compensation
  • JEREMY STEPHENSON (CEO & COO (AS OF 6/10/25)): $318,029 total reported compensation
  • WILLIAM SCHULOK (HIGHLY COMPENSATED EMPLOYEE): $203,768 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Founded more than 130 years ago by members for members, GCU is a not-for-profit Life Insurance and Annuity Provider focused on protecting families’ long term financial security. Because we are member-owned, GCU can grow responsibly and make disciplined financial decisions guided by what matters most—our members and the communities they serve.

What it reported doing in 2025

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.

Operating model

Revenue model
Earned-program. 69% of the money available for current operations came from fees and other program revenue.
Distribution model
Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

The verdict

- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.

Rating breakdown

  • Financial Efficiency: NotEnoughData
  • Transparency & Controls: 77
  • Accountability: 100
  • Sustainability: 36
  • Growth: 60

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: Limited
  • Program expense ratio: Limited
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 66th percentile among comparable filings
  • Pay-setting controls: 2 of 6 controls in place; rating input score 33
    • Compensation committee: Missing
    • Independent consultant: Missing
    • Other Form 990s reviewed: Missing
    • Written employment contract: Pass
    • Compensation survey or study: Missing
    • Board or committee approval: Pass
  • Foreign activity oversight: Limited
  • Grant itemization coverage: 100%; rating input score 100; 81st percentile among comparable filings
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 65th percentile among comparable filings
  • Governance controls: 9 of 9 controls in place; rating input score 100
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: Pass
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: -8.2%; rating input score 4; 4th percentile among comparable filings
  • Total-asset coverage ratio: 6.83; rating input score 82; 82nd percentile among comparable filings
  • Liabilities to assets ratio: 0.93; rating input score 5; 5th percentile among comparable filings
  • Officer compensation ratio: 0.6%; rating input score 82; 82nd percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: 5.9% per year; rating input score 100; 49th percentile among comparable filings
  • Asset growth: 8.5% per year; rating input score 100; 60th percentile among comparable filings

Details

  • What they do: Mission, programs, and operating context captured from the official website.
  • Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
  • Governance: 11 of 11 board members independent · 9 of 9 filing controls reported
  • Programs: 1 filed program accomplishment
  • Leadership: top reported pay $386K · 20 people listed · 2 of 6 pay-setting controls reported
  • Highest-paid contractors: 5 contractors listed · $3.7M reported
  • Consistency: 13 of 13 current checks pass
  • Schedules: 5 filed schedules · includes grants and executive pay
  • Filing history: 13 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Money network: 20 filed money-flow records
  • Related organizations: 1 filed related-organization link
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.
  • Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Sustainability: Operating margin scored 4/100.
  • High — Sustainability: Liabilities to assets ratio scored 5/100.