Western Catholic Union

Tax-deductible

Quincy, IL501(c)(8)Since 1877EIN 37-0580740

To attend to the fraternal, financial and spiritual well-being of the members of the western catholic union by offering them the greatest number of social and spiritual opportunities possible and to keep our members safe and secure with the best insurance products available.

501(c)(8) charity; gifts are tax-deductible.
Run by 38,770 volunteers and 11 employees.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · People: Part I, lines 5–6

Before you give

FY2025 · 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
5 of 6
filings with a surplus
Average surplus $1.1M a year · 3% of revenue · last 6 filings
Fine: a surplus in 5 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Pay to officers and key staff
$285K
to officers and key staff · 1.0% of spending
Looks good: pay to officers and key staff is 1% of spending; 15% or less.
Pt VII · Sec A
Cash reserves
2 mo
of spending, in cash
Fine: 1.8 months of spending in cash; 1 to 3.
Pt X · Ln 1–2 · Pt I · Ln 18
Named funders
1
named funder · $100
Fine: 1 funder names it on their filings; under 3.
Funders’ Sch. I, 990-PF
Liabilities
$166.5M
95% of total assets
Concern: liabilities are 95% of assets; over 80%.
Pt X · Ln 26
Independent board members
8
of 9 voting members
Looks good: 8 of 9 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$30.8M
-23% vs prior year
Spent
$29.9M
Net assets
$8.1M
By yearFY2020–FY2025
Revenue
$30.8M
FY2025▼ -23%
Revenue by fiscal year
FY2020$29.6M
FY2021$14.7M
FY2022$34.8M
FY2023$48.8M
FY2024$39.9M
FY2025$30.8M
Expenses
$29.9M
FY2025▼ -23%
Expenses by fiscal year
FY2020$25.7M
FY2021$15.8M
FY2022$33.2M
FY2023$48.0M
FY2024$39.1M
FY2025$29.9M
Net assets
$8.1M
FY2025+0.1%
Net assets by fiscal year
FY2020$6.8M
FY2021$6.4M
FY2022$7.4M
FY2023$7.7M
FY2024$8.1M
FY2025$8.1M

From the FY2025 Form 990 · figures checked against the IRS filing · see the original

Give Claim

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Oct 1940.

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

Who runs it and what they're paid

10 people listed on the 990; $285K paid to officers and key staff.

Part VII, Section A · reportable compensation
Secretary-Treasurer
$108,994Pt VII · Sec A
Chairwoman, President
$100,800Pt VII · Sec A
$9,600Pt VII · Sec A
$9,600Pt VII · Sec A
Trustee
$9,600Pt VII · Sec A
$9,600Pt VII · Sec A
$9,600Pt VII · Sec A
$9,600Pt VII · Sec A

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

NameFY2025FY2024FY2023FY2022FY2021FY2020
Roger Player—————$135,028
Kent Stegeman————$117,723$128,171
Ryan Hulett——$111,780$102,084——
Matthew Bainbridge$108,994$104,035$93,785$80,410$77,166—
Sherri Schaefer$100,800$98,300$70,800$40,800$40,900$32,150
Michael Bickhaus$7,600$8,100$9,600$9,600$9,750$12,075
Philip Hildebrand JR—$4,800$9,600$9,600$9,850$11,550
James Obert$9,600$10,100$9,600$9,600$9,750$11,475

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.

See Western Catholic Union executive salaries →

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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

Provides life insurance and annuity plans to members.

Provided by the organization

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1 program service, described in the organization's own filed words · FY2025.
01

The western catholic union is a fraternal benefit society offering life insurance and annuity plans to its members. Program services include $29,559,561 for benefits paid to members for life insurance and annuity benefits. The remaining expenses cover operational expenses.

Pt IX · col B

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Funders

Who pays for it.

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

Grants

Schedule I · received and paid
Grants received · FY2021
Total grants receivedfrom 1 funder$100
Grants paid · 6 grants · $102K · 2020–2025
Unitemized GrantFY2025$18,500
Unitemized GrantFY2024$17,000
Unitemized GrantFY2023$16,000
Unitemized GrantFY2022$17,000
Unitemized GrantFY2021$15,000
Unitemized GrantFY2020$19,000

By the numbers

The FY2025 990, line by line.

1The main four
Money inPt VIII
$30.8M
Ln 12
Fees for servicesLn 2g$21.6M
Investment incomeLn 3$8.9M
Other incomeLn 4–11$275K
Money outPt IX
$29.9M
Ln 25
Owns and owesPt X
$8.1M
net assets · Ln 32
Cash and savingsLn 1–2$4.6M
Total assetsLn 16$174.6M
LiabilitiesLn 26$166.5M
PeoplePt VI, VII
10
listed · VII A
PaidVII A10
Voting boardVI 1a9
IndependentVI 1b8
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$21.6M
Investment incomeLn 3$8.9M
Other incomeLn 4–11$275K
Gains on assetsLn 7$57K
Total revenueLn 12$30.8M
Assets in detailPt X, end of year
CashLn 1$1.6M
SavingsLn 2$3.0M
Cash and savings togetherLn 1–2$4.6M
InvestmentsLn 11–13$143.8M
Land, buildings, equipmentLn 10c$498K
Other assetsLn 15$3.0M
Total assetsLn 16$174.6M
LiabilitiesLn 26$166.5M
Net assetsLn 32$8.1M
OperationsPt I, VI
EmployeesI 511
VolunteersI 638,770
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13Yes
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY25End FY25
Cash and savingsLn 1–2$10.9M$4.6M
InvestmentsLn 11–13$141.5M$143.8M
Land, buildings, equipmentLn 10c$628K$498K
Total assetsLn 16$178.1M$174.6M
LiabilitiesLn 26$170.0M$166.5M
Net assetsLn 32$8.1M$8.1M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic individualsLn 2$18K
Benefits paid to or for membersLn 4$29.6M
Pay of current officers, directors and key staffLn 5$303K
Other salaries and wagesLn 7$361K
Pension plan contributionsLn 8$29K
Other employee benefitsLn 9$74K
Payroll taxesLn 10$56K
Legal feesLn 11b$7K
Accounting feesLn 11c$92K
Investment management feesLn 11f$668K
Other fees for servicesLn 11g$372K
Advertising and promotionLn 12$350
Office expensesLn 13$78K
Information technologyLn 14$32K
OccupancyLn 16$30K
Other expenses (24a–d)Ln 24$797K
All other expensesLn 24e−$2.6M
Total functional expensesLn 25$29.9M

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest Viewing $30.8M$29.9M$883K$8.1M 990 PDF
FY2024 $39.9M$39.1M$823K$8.1M 990 PDF
FY2023 $48.8M$48.0M$786K$7.7M 990 PDF
FY2022 $34.8M$33.2M$1.5M$7.4M 990 PDF
FY2021 $14.7M$15.8M−$1.1M$6.4M 990 PDF
FY2020 $29.6M$25.7M$3.8M$6.8M 990 PDF

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Schedules filed Part IV

III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
See the full FY2025 990 (4 parts)
Part VIII · Statement of revenue $30,771,230 across 5 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $21,629,163$21,629,163
VIII-3 Investment incomeExcluded from tax $8,809,832$8,809,832
VIII-7 Net gain or loss on sales of assetsRelated to mission $56,810$56,810
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Excluded from tax $275,425$275,425
VIII-12 Total revenueRelated to mission $21,685,973 · Unrelated business $0 · Excluded from tax $9,085,257$30,771,230
Part IX · Statement of functional expenses $29,888,697 across 17 lines filed
IX-2 Grants to domestic individuals$18,500
IX-4 Benefits paid to or for members$29,559,561
IX-5 Pay of current officers, directors and key staff$302,920
IX-7 Other salaries and wages$360,613
IX-8 Pension plan contributions$29,016
IX-9 Other employee benefits$73,529
IX-10 Payroll taxes$55,821
IX-11b Legal fees$6,879
IX-11c Accounting fees$92,188
IX-11f Investment management fees$667,900
IX-11g Other fees for services$371,824
IX-12 Advertising and promotion$350
IX-13 Office expenses$77,739
IX-14 Information technology$31,599
IX-16 Occupancy$30,000
IX-24 Other expenses (24a–d)$796,845
IX-24e All other expenses−$2,586,587
IX-25 Total functional expenses$29,888,697
Part X · Balance sheet $174,644,646 assets, 13 lines filed
Asset lines not itemized here account for $22,823,189; see the IRS return.
X-1 Cash, non-interest-bearingStart of year $613,588$1,586,745
X-2 Savings and temporary cash investmentsStart of year $10,236,452$2,973,653
X-10c Land, buildings and equipment, netStart of year $627,555$498,014
X-11 Publicly traded securitiesStart of year $141,512,957$143,789,410
X-12 Other securities$10,000
X-15 Other assetsStart of year $2,011,525$2,963,635
X-16 Total assetsStart of year $178,069,917$174,644,646
X-17 Accounts payable and accrued expensesStart of year $215,777$202,979
X-19 Deferred revenueStart of year $16,721$12,908
X-25 Other liabilitiesStart of year $169,721,881$166,301,777
X-26 Total liabilitiesStart of year $169,954,379$166,517,664
X-32 Total net assets or fund balancesStart of year $8,115,538$8,126,982
X-33 Total liabilities and net assetsStart of year $178,069,917$174,644,646
Part XI · Reconciliation of net assets $8,126,982 net assets at year end
XI-1 Total revenue$30,771,230
XI-2 Total expenses$29,888,697
XI-3 Revenue less expenses$882,533
XI-4 Net assets at start of year$8,115,538
XI-5 Net unrealized gains (losses) on investments−$628,200
XI-9 Other changes in net assets−$242,889
XI-10 Net assets at end of year$8,126,982

Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File

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