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Czech Catholic Union FY2023 filing

Tax-deductible

Cleveland, OH501(c)(8)Since 1879Mutual / membership EIN 34-0105780Revenue $1.2M in FY2023

On file with the IRSczechccu.org5349 Dolloff Rd, 44127-1620 · Cleveland, OHTax-exempt since Feb 1973

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To provide fraternal life insurance benefits . To provide security for members through affordable insurance and annuity financial products. To promote , perserve and perpetuate the common bond of the Czech language, heritage and culture. To sponser educational scholarships and fraternal activities for the benefit of its members. To support the communities wherein our membership resides through acts of benevolence and volunteerism.

501(c)(8) fraternal beneficiary society; the IRS lists gifts to it as tax-deductible.
95¢ of each $1 spent went to programs.
$143K paid to officers and key staff.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Programs: Part IX · Pay: Part VII

Before you give

FY2023 · Form 990Independent: from IRS data, not the org
Download 990
IRS status
501(c)(8)
not on the IRS revocation list
Looks good: listed by the IRS and not on the revocation list.
IRS BMF · Auto-Revocation List
Tax-deductible gifts
Yes
Donations are tax-deductible
Looks good: the IRS lists gifts to it as deductible.
IRS Pub. 78 · IRS BMF
Latest return
FY2025
latest Form 990
Looks good: the latest return is for FY2025, 1 tax year back; within 2 tax years.
IRS e-file · Filing history
Surplus or deficit
4 of 6
filings with a surplus
Average surplus $31K a year · 2% of revenue · last 6 filings
Fine: a surplus in 4 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
95%
of spending
Looks good: 95% of spending went to programs; 75% or more.
Pt IX · Ln 25 · col B
Pay to officers and key staff
$143K
to officers and key staff · 12% of spending
Looks good: pay to officers and key staff is 12% of spending; 15% or less.
Pt VII · Sec A
Cash reserves
1 mo
of spending, in cash
Plus $19.4M in investments, Pt X · Ln 11–13
Fine: 1.1 months of spending in cash; 1 to 3.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$16.8M
84% of total assets
Concern: liabilities are 84% of assets; over 80%.
Pt X · Ln 26
Independent board members
0
of 9 voting members
Concern: none of 9 voting members are independent.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$1.2M
-59% vs prior year
Spent
$1.2M
To programs
95%
Net assets
$3.1M
By yearFY2020–FY2025
Revenue
$1.2M
FY2023▼ -59%
Tap a bar for its year
Revenue by fiscal year
FY2020$1.5M
FY2021$1.6M
FY2022$3.1M
FY2023$1.2M
FY2024$1.8M
FY2025$995K
Expenses
$1.2M
FY2023▼ -61%
Tap a bar for its year
Expenses by fiscal year
FY2020$1.3M
FY2021$1.5M
FY2022$3.0M
FY2023$1.2M
FY2024$1.8M
FY2025$1.2M
Net assets
$3.1M
FY2023▲ +4%
Tap a bar for its year
Net assets by fiscal year
FY2020$2.9M
FY2021$3.3M
FY2022$3.0M
FY2023$3.1M
FY2024$3.1M
FY2025$3.0M

From the FY2023 Form 990 · figures checked against the IRS filing · see the original

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You’re viewing the FY2023 filing — not the latest on file. See the latest (FY2025) →

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Feb 1973.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Where the money goes

95 cents of each dollar spent went to programs.

Program services 95% · $1.1M Management & general 5% · $53K

Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.

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Who runs it and what they're paid

9 people listed on the 990; $143K paid to officers and key staff.

Part VII, Section A · reportable compensation
Theresa Aveni
President/Tr
$95,938Pt VII · Sec A
$37,732Pt VII · Sec A
Audrey Schmidt
Vice Preside
$5,664Pt VII · Sec A
Robert Cermak
Past Preside
$596Pt VII · Sec A
$596Pt VII · Sec A
$596Pt VII · Sec A
$596Pt VII · Sec A
$596Pt VII · Sec A

Compensation history total reportable pay by year · 8 named individuals · Part VII

NameFY2025FY2024FY2023FY2022FY2021FY2020
Theresa Aveni$107,379$100,059$95,938$92,702$90,064$89,327
Jane Milczewski$44,039$41,498$37,732$34,699$33,806$31,917
Audrey Schmidt$5,868$5,734$5,664$5,582$9,250$5,000
Robert Cermak$596$596$596$596$596$596
Karla Mahoney$596$596$596$596$596$596
Maryann Langevin$596$596$596$596$596$596
Cynthia Kveton$596$596$596$596$596$596
Richard Prospal$596$596$596$596$596$596

Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aYes

Programs and updates

Offers fraternal insurance benefits to members.

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Provided by the organization

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2 programs · $1.1M · in their own filed words · FY2023
01

Provide fraternal insurance benefits to members. The organization consists of members with 3,258 life insurance policies and 314 member annuities.

$1.1Mprogram expense
02

Provide educational scholarships to members of school age for higher learning , provide donations to various churches and charities

$17Kprogram expense

Funders

Who pays for it.

From grant filings on record. Receipts are incomplete: individual donors are never listed.

Grants

Schedule I · this organization's grantmaking
Grants paid · 5 grants · $42K · 2020–2025
Unitemized GrantFY2025$8,300
Unitemized GrantFY2024$6,400
Unitemized GrantFY2023$7,300
Unitemized GrantFY2021$10,000
Unitemized GrantFY2020$10,150

By the numbers

The FY2023 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$1.2M
Ln 12
Investment incomeLn 3$1.0M
Fees for servicesLn 2g$201K
Money outPt IX
$1.2M
Ln 25
Programscol B$1.1M
Managementcol C$53K
Owns and owesPt X
$3.1M
net assets · Ln 32
Cash and savingsLn 1–2$108K
Total assetsLn 16$19.9M
LiabilitiesLn 26$16.8M
PeoplePt VI, VII
9
listed · VII A
PaidVII A9
Voting boardVI 1a9
IndependentVI 1b0
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$201K
Investment incomeLn 3$1.0M
Gains on assetsLn 7$99K
Total revenueLn 12$1.2M
Assets in detailPt X, end of year
CashLn 1$108K
Cash and savings togetherLn 1–2$108K
InvestmentsLn 11–13$19.4M
Land, buildings, equipmentLn 10c$93K
Other assetsLn 15$304K
Total assetsLn 16$19.9M
LiabilitiesLn 26$16.8M
Net assetsLn 32$3.1M
OperationsPt I, VI
EmployeesI 56
VolunteersI 610
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13No
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY23End FY23
Cash and savingsLn 1–2$174K$108K
InvestmentsLn 11–13$20.6M$19.4M
Land, buildings, equipmentLn 10c$99K$93K
Total assetsLn 16$21.2M$19.9M
LiabilitiesLn 26$18.3M$16.8M
Net assetsLn 32$3.0M$3.1M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic individualsLn 2$7K$7K
Benefits paid to or for membersLn 4$777K$777K
Pay of current officers, directors and key staffLn 5$143K$110K$33K
Other salaries and wagesLn 7$31K$23K$8K
Payroll taxesLn 10$14K$10K$3K
Accounting feesLn 11c$12K$10K$1K
Investment management feesLn 11f$5K$5K
Other fees for servicesLn 11g$50K$50K
Advertising and promotionLn 12$19K$17K$2K
Office expensesLn 13$10K$9K$1K
Information technologyLn 14$21K$19K$2K
OccupancyLn 16$11K$9K$2K
Conferences, conventions and meetingsLn 19$11K$11K$267
Depreciation, depletion and amortizationLn 22$6K$6K
InsuranceLn 23$13K$13K
Other expenses (24a–d)Ln 24$29K$29K
Total functional expensesLn 25$1.2M$1.1M$53K$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest $995K$1.2M−$182K$3.0M 990 PDF
FY2024 $1.8M$1.8M−$54K$3.1M 990 PDF
FY2023 Viewing $1.2M$1.2M$85K$3.1M 990 PDF
FY2022 $3.1M$3.0M$60K$3.0M 990 PDF
FY2021 $1.6M$1.5M$103K$3.3M 990 PDF
FY2020 $1.5M$1.3M$173K$2.9M 990 PDF

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Schedules filed Part IV

III · Programs R · Related orgs G · Fundraising L · Interested persons I · Grants A · Public support O · Explanations
See the full FY2023 990 (6 parts)
Part I · Summary $1,244,336 revenue, 12 lines filed
I-8 Contributions and grants$0
I-9 Program service revenuePrior year $2,089,344$200,953
I-10 Investment incomePrior year $979,696$1,044,693
I-11 Other revenuePrior year −$1,862−$1,310
I-12 Total revenuePrior year $3,067,178$1,244,336
I-13 Grants and similar amounts paidPrior year $3,300$7,300
I-14 Benefits paid to membersPrior year $2,658,228$777,287
I-15 Salaries and benefitsPrior year $180,510$187,873
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $165,399$187,036
I-18 Total expensesPrior year $3,007,437$1,159,496
I-19 Revenue less expensesPrior year $59,741$84,840
Part VI · Governance 0 of 9 board members independent, 1 to look at
VI-1a Voting members of the governing body9
VI-1b Independent voting members0
VI-13 Written whistleblower policyNo
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $1,244,336 across 5 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Excluded from tax $200,953$200,953
VIII-3 Investment incomeExcluded from tax $945,439$945,439
VIII-7 Net gain or loss on sales of assetsExcluded from tax $99,254$99,254
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Excluded from tax −$1,310−$1,310
VIII-12 Total revenueExcluded from tax $1,244,336$1,244,336
Part IX · Statement of functional expenses $1,159,496 across 16 lines filed
IX-2 Grants to domestic individualsPrograms $7,300$7,300
IX-4 Benefits paid to or for membersPrograms $777,287$777,287
IX-5 Pay of current officers, directors and key staffPrograms $109,743 · Management $33,167$142,910
IX-7 Other salaries and wagesPrograms $23,332 · Management $7,777$31,109
IX-10 Payroll taxesPrograms $10,390 · Management $3,464$13,854
IX-11c Accounting feesPrograms $10,489 · Management $1,166$11,655
IX-11f Investment management feesPrograms $5,275$5,275
IX-11g Other fees for servicesPrograms $50,289$50,289
IX-12 Advertising and promotionPrograms $16,951 · Management $1,884$18,835
IX-13 Office expensesPrograms $9,206 · Management $1,119$10,325
IX-14 Information technologyPrograms $18,948 · Management $2,105$21,053
IX-16 OccupancyPrograms $9,369 · Management $1,653$11,022
IX-19 Conferences, conventions and meetingsPrograms $10,581 · Management $267$10,848
IX-22 Depreciation, depletion and amortizationPrograms $5,560$5,560
IX-23 InsurancePrograms $13,199$13,199
IX-24 Other expenses (24a–d)Programs $28,975$28,975
IX-25 Total functional expensesPrograms $1,106,894 · Management $52,602 · Fundraising $0$1,159,496
Part X · Balance sheet $19,899,892 assets, 10 lines filed
X-1 Cash, non-interest-bearingStart of year $173,689$107,975
X-10c Land, buildings and equipment, netStart of year $98,699$93,139
X-11 Publicly traded securitiesStart of year $20,647,371$19,394,767
X-15 Other assetsStart of year $328,636$304,011
X-16 Total assetsStart of year $21,248,395$19,899,892
X-17 Accounts payable and accrued expensesStart of year $51,257$56,782
X-25 Other liabilitiesStart of year $18,223,715$16,740,651
X-26 Total liabilitiesStart of year $18,274,972$16,797,433
X-32 Total net assets or fund balancesStart of year $2,973,423$3,102,459
X-33 Total liabilities and net assetsStart of year $21,248,395$19,899,892
Part XI · Reconciliation of net assets $3,102,459 net assets at year end
XI-1 Total revenue$1,244,336
XI-2 Total expenses$1,159,496
XI-3 Revenue less expenses$84,840
XI-4 Net assets at start of year$2,973,423
XI-5 Net unrealized gains (losses) on investments−$25,683
XI-9 Other changes in net assets$69,879
XI-10 Net assets at end of year$3,102,459

Form 990 e-file (XML) FY2023 from the IRS · Classification, formation year and address from the IRS Business Master File

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