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) fraternal beneficiary society; the IRS lists gifts to it as tax-deductible.
$379K paid to officers and key staff.
Mission: Form 990 Part I, line 1 · Status: IRS Pub. 78 · Pay: Part VII

Before you give

FY2020 · 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
$379K
to officers and key staff · 1% of spending
Looks good: pay to officers and key staff is 1% of spending; 15% or less.
Pt VII · Sec A
<1 mo
of spending, in cash
Plus $201.0M in investments, Pt X · Ln 11–13
Fine: 0.8 months of spending in cash, plus $201.0M in investments.
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
$205.4M
97% of total assets
Concern: liabilities are 97% 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
$29.6M
Spent
$25.7M
Net assets
$6.8M
By yearFY2020–FY2025
Revenue
$29.6M
FY2020
Tap a bar for its year
Revenue by fiscal year
FY2020$29.6M
FY2021$14.7M
FY2022$34.8M
FY2023$48.8M
FY2024$39.9M
FY2025$30.8M
Expenses
$25.7M
FY2020
Tap a bar for its year
Expenses by fiscal year
FY2020$25.7M
FY2021$15.8M
FY2022$33.2M
FY2023$48.0M
FY2024$39.1M
FY2025$29.9M
Net assets
$6.8M
FY2020
Tap a bar for its year
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 FY2020 Form 990 · figures checked against the IRS filing · see the original

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You’re viewing the FY2020 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 Oct 1940.

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

Who runs it and what they're paid

12 people listed on the 990; $379K paid to officers and key staff.

Part VII, Section A · reportable compensation
Former President & CEO
$135,028Pt VII · Sec A
Secretary/Treasurer & CFO
$128,171Pt VII · Sec A
Chairwoman, Interim President & CEO
$32,150Pt VII · Sec A
$12,075Pt VII · Sec A
$11,550Pt VII · Sec A
$11,475Pt VII · Sec A
$10,475Pt VII · Sec A
Trustee
$10,175Pt 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.

Questions for Western Catholic Union

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Provided by the organization

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1 program · in their own filed words · FY2020
01

The western catholic union is a fraternal benefit society offering life insurance and annuity plans to its members. Program services include $30,931,053 for benefits paid to members for life insurance and annuity benefits. The remaining expenses cover operational expenses.

Pt IX · col B

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 FY2020 990, line by line.

1The main four
Money inPt VIII
$29.6M
Ln 12
Fees for servicesLn 2g$18.4M
Investment incomeLn 3$10.4M
Other incomeLn 4–11$723K
Money outPt IX
$25.7M
Ln 25
Owns and owesPt X
$6.8M
net assets · Ln 32
Cash and savingsLn 1–2$1.8M
Total assetsLn 16$212.3M
LiabilitiesLn 26$205.4M
PeoplePt VI, VII
12
listed · VII A
PaidVII A12
Voting boardVI 1a9
IndependentVI 1b8
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$18.4M
Investment incomeLn 3$10.4M
Other incomeLn 4–11$723K
Gains on assetsLn 7$2.0M
Total revenueLn 12$29.6M
Assets in detailPt X, end of year
CashLn 1$1.0M
SavingsLn 2$786K
Cash and savings togetherLn 1–2$1.8M
InvestmentsLn 11–13$201.0M
Land, buildings, equipmentLn 10c$776K
Other assetsLn 15$3.2M
Total assetsLn 16$212.3M
LiabilitiesLn 26$205.4M
Net assetsLn 32$6.8M
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 FY20End FY20
Cash and savingsLn 1–2$2.4M$1.8M
InvestmentsLn 11–13$207.8M$201.0M
Land, buildings, equipmentLn 10c$885K$776K
Total assetsLn 16$220.4M$212.3M
LiabilitiesLn 26$216.7M$205.4M
Net assetsLn 32$3.7M$6.8M
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Grants to domestic individualsLn 2$19K
Benefits paid to or for membersLn 4$30.9M
Pay of current officers, directors and key staffLn 5$403K
Other salaries and wagesLn 7$664K
Pension plan contributionsLn 8$51K
Other employee benefitsLn 9$132K
Payroll taxesLn 10$80K
Legal feesLn 11b$74K
Accounting feesLn 11c$40K
Investment management feesLn 11f$415K
Other fees for servicesLn 11g$532K
Advertising and promotionLn 12$175
Office expensesLn 13$86K
Information technologyLn 14$15K
OccupancyLn 16$24K
Other expenses (24a–d)Ln 24$3.6M
All other expensesLn 24e−$11.4M
Total functional expensesLn 25$25.7M

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest $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 Viewing $29.6M$25.7M$3.8M$6.8M 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 FY2020 990 (6 parts)
Part I · Summary $29,558,364 revenue, 12 lines filed
I-8 Contributions and grantsPrior year $0$0
I-9 Program service revenuePrior year $51,595,256$18,435,515
I-10 Investment incomePrior year $9,445,058$10,399,859
I-11 Other revenuePrior year $1,584,904$722,990
I-12 Total revenuePrior year $62,625,218$29,558,364
I-13 Grants and similar amounts paidPrior year $29,000$19,000
I-14 Benefits paid to membersPrior year $23,096,379$30,931,053
I-15 Salaries and benefitsPrior year $1,475,242$1,329,927
I-16a Professional fundraising feesPrior year $0$0
I-17 Other expensesPrior year $41,809,062−$6,538,218
I-18 Total expensesPrior year $66,409,683$25,741,762
I-19 Revenue less expensesPrior year −$3,784,465$3,816,602
Part VI · Governance 8 of 9 board members independent, no flags
VI-1a Voting members of the governing body9
VI-1b Independent voting members8
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-13 Written whistleblower policyYes
VI-14 Document retention and destruction policyYes
VI-15a Process for setting top official's payYes
Part VIII · Statement of revenue $29,558,364 across 5 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $18,435,515$18,435,515
VIII-3 Investment incomeExcluded from tax $8,432,308$8,432,308
VIII-7 Net gain or loss on sales of assetsRelated to mission $1,967,551$1,967,551
VIII-11a-d Other revenue, itemized rows (sum of 11a–11d as filed)Excluded from tax $722,990$722,990
VIII-12 Total revenueRelated to mission $20,403,066 · Unrelated business $0 · Excluded from tax $9,155,298$29,558,364
Part IX · Statement of functional expenses $25,741,762 across 17 lines filed
IX-2 Grants to domestic individuals$19,000
IX-4 Benefits paid to or for members$30,931,053
IX-5 Pay of current officers, directors and key staff$402,976
IX-7 Other salaries and wages$664,367
IX-8 Pension plan contributions$50,684
IX-9 Other employee benefits$131,617
IX-10 Payroll taxes$80,283
IX-11b Legal fees$74,280
IX-11c Accounting fees$39,709
IX-11f Investment management fees$414,656
IX-11g Other fees for services$531,935
IX-12 Advertising and promotion$175
IX-13 Office expenses$86,448
IX-14 Information technology$15,000
IX-16 Occupancy$24,000
IX-24 Other expenses (24a–d)$3,643,638
IX-24e All other expenses−$11,368,059
IX-25 Total functional expenses$25,741,762
Part X · Balance sheet $212,291,969 assets, 13 lines filed
Asset lines not itemized here account for $5,493,450; see the IRS return.
X-1 Cash, non-interest-bearingStart of year $1,122,659$1,012,624
X-2 Savings and temporary cash investmentsStart of year $1,257,342$786,492
X-10c Land, buildings and equipment, netStart of year $885,152$775,829
X-11 Publicly traded securitiesStart of year $206,878,051$200,179,512
X-12 Other securitiesStart of year $904,402$839,617
X-15 Other assetsStart of year $3,644,152$3,204,445
X-16 Total assetsStart of year $220,366,184$212,291,969
X-17 Accounts payable and accrued expensesStart of year $222,669$150,651
X-19 Deferred revenueStart of year $30,394$16,425
X-25 Other liabilitiesStart of year $216,429,480$205,282,219
X-26 Total liabilitiesStart of year $216,682,543$205,449,295
X-32 Total net assets or fund balancesStart of year $3,683,641$6,842,674
X-33 Total liabilities and net assetsStart of year $220,366,184$212,291,969
Part XI · Reconciliation of net assets $6,842,674 net assets at year end
XI-1 Total revenue$29,558,364
XI-2 Total expenses$25,741,762
XI-3 Revenue less expenses$3,816,602
XI-4 Net assets at start of year$3,683,641
XI-5 Net unrealized gains (losses) on investments−$64,785
XI-9 Other changes in net assets−$592,784
XI-10 Net assets at end of year$6,842,674

Form 990 e-file (XML) FY2020 from the IRS · Classification, formation year and address from the IRS Business Master File

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