U of I Community Credit Union

Legal name: University of Illinois Community Credit Union

Nonprofit profile at a glance

EIN
370560167
IRS 990 coverage
2010–2025
Official website data refreshed
Sep 2026
Forms available
Form 990 2025
Location
Champaign, IL, USA
Phone
217-278-7700
Rating confidence
Limited

Official website

Reported finances

Revenue
$58,156,836
Expenses
$55,351,373
Assets
$755,508,518
Liabilities
$696,793,167

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

Leadership & pay

24 people listed

Executive titles in this filing

  • CHRIS HARLAN (PRESIDENT / CEO)
  • GREG ANDERSON (SENIOR VICE PRESIDENT)
  • JENNIFER PEYTON (SENIOR VICE PRESIDENT, CONTROLLER)
  • KATE ROGERS (SENIOR VICE PRESIDENT/CHIEF INNOVATION AND CORPORATE STRATEGY OFFICER)
  • KIM CHEEK (SENIOR VICE PRESIDENT EMPLOYEE ADVOCACY)
  • LISA PAUL (SENIOR VICE PRESIDENT MEMBER EXPERIENCE & MARKETING)

Highest reported compensation

  • CHRIS HARLAN (PRESIDENT / CEO): $488,832 total reported compensation
  • KIM CHEEK (SENIOR VICE PRESIDENT EMPLOYEE ADVOCACY): $285,588 total reported compensation
  • TRAVIS VERMILLION (EXECUTIVE VICE PRESIDENT/CHIEF FINANCIAL OFFICER): $265,888 total reported compensation

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

Overview

Mission

To provide financial services that empower our members and communities.

What it reported doing in 2025

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.

Operating model

Revenue model
Other-operating. 85% of the money available for current operations came from other operating 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: 84
  • Accountability: 95
  • Sustainability: 53
  • Growth: 100

Detailed rating inputs

Financial Efficiency

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

Transparency & Controls

  • Consistency checks: 91.7%; rating input score 92; 10th percentile among comparable filings
  • Pay-setting controls: 4 of 6 controls in place; rating input score 67
    • Compensation committee: Pass
    • Independent consultant: Missing
    • Other Form 990s reviewed: Missing
    • Written employment contract: Pass
    • Compensation survey or study: Pass
    • Board or committee approval: Pass
  • Foreign activity oversight: Limited
  • Grant itemization coverage: 84.9%; rating input score 85; 25th 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: 7 of 8 controls in place; rating input score 88
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Fail
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 4.8%; rating input score 54; 54th percentile among comparable filings
  • Total-asset coverage ratio: 13.65; rating input score 87; 87th percentile among comparable filings
  • Liabilities to assets ratio: 0.92; rating input score 5; 5th percentile among comparable filings
  • Officer compensation ratio: 6.5%; rating input score 12; 12th percentile among comparable filings

Growth

  • Program expense growth: 3% per year; rating input score 100; 23rd percentile among comparable filings
  • Revenue growth: 8.3% per year; rating input score 100; 63rd percentile among comparable filings
  • Asset growth: 7.8% per year; rating input score 100; 56th percentile among comparable filings

Details

  • What they do: 9 programs and campaigns described on the official site · 1 operating location identified
  • Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
  • Governance: 9 of 9 board members independent · 7 of 8 filing controls reported
  • Programs: 3 filed program accomplishments
  • Leadership: top reported pay $489K · 24 people listed · 4 of 6 pay-setting controls reported
  • Highest-paid contractors: 5 contractors listed · $6.6M reported
  • Consistency: 12 of 13 current checks pass · 1 finding to review
  • Schedules: 6 filed schedules · includes grants and executive pay
  • Filing history: 14 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Money network: 30 filed money-flow records
  • Related organizations: 4 filed related-organization links
  • 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.

  • Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.
  • Review — Sustainability: Operating margin scored 54/100.
  • Review — Accountability: Governance controls: Form 990 shared with the board not reported.
  • High — Sustainability: Liabilities to assets ratio scored 5/100.
  • High — Sustainability: Officer compensation ratio scored 12/100.