Catholic United Financial
Legal name: Catholic United Financial Credit Union
Nonprofit profile at a glance
- EIN
- 412003422
- IRS 990 coverage
- 2010–2025
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2025, Form 990-N 2025
- Location
- Saint Paul, MN, United States
- Phone
- 651-490-0170
- Rating
- 49
- Verdict
- MIXED
- Rating confidence
- Moderate
- Affiliation
- Christianity
Reported finances
- Revenue
- $2,153,996
- Expenses
- $2,015,684
- Assets
- $34,344,855
- Liabilities
- $30,783,832
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
9 people listed
Executive titles in this filing
- Andrea Kuhl (President)
Highest reported compensation
- Andrea Kuhl (President): $135,000 total reported compensation
- Alison Caldwell (Director of Finance): $125,000 total reported compensation
- Emily Ripplinger (Branch Manager): $85,000 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
We financially protect and connect members in faith and joyful service at every step of life’s journey. As a not-for-profit company, we transform our profits from the sale of life insurance, annuities and retirement products into programs that support and amplify your Catholic community’s ability to thrive and grow. Members, not customers Membership means more than just owning a policy or holding an account. Belonging to Catholic United means you care about your extended Catholic family. Catholic United provides its Parish Volunteer Teams with seed money to help them kick start their activities for the year based on the previous activity and membership rolls, averaging at **$1,100** per year. I'd like to continue Supplement your parish/school events that are service, faith or socially focused with grants up to $500 each, or **$1,500** total.
What it reported doing in 2025
Mutual membership benefit : provide financial services including mobile app and remote deposit capture to 4000 members of the credit union. Members are achieving financial goals through out various deposit accounts and loan financing. The credit union shares information with the membership via mailings email and social media posts via website and facebook. The credit union conducts and annual meeting each year and provides and annual report to the membership.
Operating model
- Revenue model
- Other-operating. 64% of the money available for current operations came from other operating revenue.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
MIXED - The filed numbers largely add up and most voting board members are independent. A relatively small share of available resources goes toward mission work and a relatively small share of total spending goes to programs.
Rating breakdown
- Financial Efficiency: 0
- Transparency & Controls: 90
- Accountability: 82
- Sustainability: 52
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 0%; rating input score 0
- Program expense ratio: 0%; rating input score 0
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
- Governance controls: 5 of 9 controls in place; rating input score 56
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Fail
- Other executive compensation review process: Pass
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: 6.4%; rating input score 47; 47th percentile among comparable filings
- Total-asset coverage ratio: 17.04; rating input score 93; 93rd percentile among comparable filings
- Liabilities to assets ratio: 0.9; rating input score 5; 5th percentile among comparable filings
- Officer compensation ratio: 17.1%; rating input score 19; 19th percentile among comparable filings
Growth
- Program expense growth: -11% per year; rating input score 0; 3rd percentile among comparable filings
- Revenue growth: 8.1% per year; rating input score 100; 58th percentile among comparable filings
- Asset growth: 7.5% per year; rating input score 100; 47th percentile among comparable filings
Details
- What they do: 1 operating location identified
- Where the money goes: 0% of revenue deployed · 0% of spending went to programs
- Governance: 7 of 7 board members independent · 5 of 9 filing controls reported
- Programs: 3 filed program accomplishments · $2M in reported program spending
- Leadership: top reported pay $135K · 9 people listed
- Consistency: 27 of 42 current checks pass · 15 findings to review
- Schedules: 3 filed schedules
- Filing history: 15 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Money network: 7 filed money-flow records
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Financial Efficiency: Mission deployment rate scored 0/100.
- High — Financial Efficiency: Program expense ratio scored 0/100.
- Review — Accountability: Governance controls: 3 of 8 not reported.
- High — Growth: Program expense growth scored 0/100.
- Moderate — Sustainability: Operating margin scored 47/100.
- Moderate — Transparency & Controls: Functional expense sum did not reconcile in the filed values.
- Moderate — Transparency & Controls: Part IX Advertising column sum did not reconcile in the filed values.
- Moderate — Transparency & Controls: Part IX AllOtherExpenses column sum did not reconcile in the filed values.
- Moderate — Transparency & Controls: Part IX CompCurrentOfficersDirectors column sum did not reconcile in the filed values.
- Moderate — Transparency & Controls: Part IX DepreciationDepletion column sum did not reconcile in the filed values.
- Moderate — Transparency & Controls: Part IX FeesForServicesAccounting column sum did not reconcile in the filed values.
- Moderate — Transparency & Controls: Part IX FeesForServicesLegal column sum did not reconcile in the filed values.
- Moderate — Transparency & Controls: Part IX InformationTechnology column sum did not reconcile in the filed values.
- Moderate — Transparency & Controls: Part IX Insurance column sum did not reconcile in the filed values.
- Moderate — Transparency & Controls: Part IX Interest column sum did not reconcile in the filed values.
- Moderate — Transparency & Controls: Part IX Occupancy column sum did not reconcile in the filed values.
- Moderate — Transparency & Controls: Part IX OfficeExpenses column sum did not reconcile in the filed values.
- Moderate — Transparency & Controls: Part IX OtherEmployeeBenefits column sum did not reconcile in the filed values.
- Moderate — Transparency & Controls: Part IX PensionPlanContributions column sum did not reconcile in the filed values.
- Moderate — Transparency & Controls: Part IX Travel column sum did not reconcile in the filed values.
- High — Sustainability: Liabilities to assets ratio scored 5/100.
- High — Sustainability: Officer compensation ratio scored 19/100.