CATHOLIC UNITED FINANCIAL (EIN 410182070) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1878

Legal Domicile

Principal Officer

Paul Zastrow

Phone

6514900170

Tax Period

2024-01-01 to 2024-12-31

CATHOLIC UNITED FINANCIAL, founded in 1878, is a mid-sized nonprofit that reported $67.6M in total revenue in fiscal year 2024. Revenue decreased 8% compared to the prior year. Expenses of $78.5M exceeded revenue, resulting in a 16% operating deficit.

Mission

To provide our members with life insurance, annuities and other products that contribute to their financial well-being and support the Roman Catholic Church in extending the faith.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $38,090,271

Investment Income $26,345,979

Other Revenue $3,124,073

TOTAL REVENUE $67,560,323

Expense Breakdown

Grants Paid $355,276

Salaries & Benefits $6,687,120

Fundraising Expenses $0

Program Expenses $55,360,227

Other Expenses $16,486,679

TOTAL EXPENSES $78,534,026

Year-over-Year Comparison

	2024	2023	Change
Revenue	$67,560,323	$73,502,168	-0.1%
Expenses	$78,534,026	$73,545,830	+0.1%
Net Income	$-10,973,703	$-43,662	+250.3%

Key Indicators

✗ Grants to Organizations ✓ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

1186

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

⚠ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$872,111

Total Directors

$122,250

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Michael Ahles	President/Chairman	37.5	Officer	$428,603	$40,119	$468,722
Paul Zastrow	Sr. VP, Secretary/Treasurer	37.5	Officer	$365,914	$37,475	$403,389
John Tetzloff	Director of Sales	37.5	Highest	$230,641	$30,486	$261,127
Gregory Gall	Central Regional Director	37.5	Highest	$202,901	$16,664	$219,565
John Kolodziejczyk	Directorof Information Systems	37.5	Highest	$170,293	$31,811	$202,104
Gary Maki	Director of Human Resources	37.5	Highest	$162,034	$37,364	$199,398
Butch Byers	Southwest Regional Director	37.5	Highest	$183,952	$1,434	$185,386
Jack Kerbeshian	Director of Product	37.5	Highest	$179,979	$1,730	$181,709
Renee Brod	Board Member	3	Director	$18,750	$0	$18,750
James Wensel	Board Member	3	Director	$17,250	$0	$17,250
Martin Seifert	Board Member	3	Director	$17,250	$0	$17,250
Jean Hart	Board Member	3	Director	$17,250	$0	$17,250
Jason A Adkins	Board Member	3	Director	$17,250	$0	$17,250
James Gibbons	Board Member	3	Director	$17,250	$0	$17,250
William Lucas	Board Member	3	Director	$17,250	$0	$17,250

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	$67,560,323	$78,534,026	$951,784,215	$-10,973,703
2023	$73,502,168	$73,545,830	$999,429,811	$-43,662
2022	$71,850,379	$78,547,910	$1,055,250,995	$-6,697,531
2021	$64,273,025	$63,814,163	$1,060,682,360	$458,862
2020	$64,726,366	$66,430,133	$1,021,424,544	$-1,703,767
2019	$75,032,534	$75,612,310	$1,001,210,528	$-579,776
2018	$78,331,214	$77,722,076	$969,975,238	$609,138

CATHOLIC UNITED FINANCIAL