CATHOLIC UNITED FINANCIAL CREDIT UNION

EIN: 412003422

SAINT PAUL, MN

Total Revenue
$2,153,996
Total Expenses
$2,015,684
Total Assets
$34,344,855
Net Assets
$3,561,023
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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
2001
Legal Domicile
MN
Principal Officer
ANDREA KUHL
Phone
6517654132
Tax Period
2025-01-01 to 2025-12-31

CATHOLIC UNITED FINANCIAL CREDIT UNION, founded in 2001, is a community nonprofit that reported $2.2M in total revenue in fiscal year 2025. Expenses of $2.0M left a modest 6% surplus.

Mission

NOT FOR PROFIT FINANCIAL COOPERATIVE PROVIDG DEPOSIT AND LOAN PRODUCTS

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $1,376,766
Investment Income $777,230
Other Revenue $0
TOTAL REVENUE $2,153,996

Expense Breakdown

Grants Paid $0
Salaries & Benefits $840,000
Fundraising Expenses $0
Program Expenses $2,015,684
Other Expenses $1,175,684
TOTAL EXPENSES $2,015,684

Year-over-Year Comparison

2025 2024 Change
Revenue $2,153,996 $2,065,673 +0.0%
Expenses $2,015,684 $1,809,327 +0.1%
Net Income $138,312 $256,346 -0.5%
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

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Governance

Voting Members
7
Independent Members
7
Employees
N/A
Volunteers
10

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
3
$345,000
Total Directors
6
$0
Key Employees
3
$345,000
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Andrea Kuhl President 40.00
Officer Key Emp Highest
$135,000 $0 $135,000
Alison Caldwell Director of Finance 40.00
Officer Key Emp
$125,000 $0 $125,000
Emily Ripplinger Branch Manager 40.00
Officer Key Emp
$85,000 $0 $85,000
Michael Ahles Chairman of the Board 5.00
Director
$0 $0 $0
Harald Borrmann Vice Chair of Board 2.00
Director
$0 $0 $0
Butch Beyers Board Member 2.00
Director
$0 $0 $0
Nathan Lamusga Board Member 2.00
Director
$0 $0 $0
Tizoc Rosales Board Member 2.00
Director
$0 $0 $0
David Stang Board Member 2.00
Director
$0 $0 $0
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
2025 $2,153,996 $2,015,684 $34,344,855 $138,312
2024 No data No data No data No data
2023 $1,760,739 $1,486,204 $35,702,153 $274,535
2022 $1,238,181 $1,195,826 $33,471,960 $42,355
2021 $1,062,007 $1,010,147 $26,436,568 $51,860
2020 $922,142 $918,342 $21,289,015 $3,800
2019 $910,826 $821,114 $18,378,256 $89,712
2018 $821,205 $771,473 $16,973,055 $49,732
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