Western Catholic Union
Nonprofit profile at a glance
- EIN
- 370580740
- IRS 990 coverage
- 2010–2025
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2025
- Location
- Quincy, IL, US
- Phone
- (217) 223-9721
- Rating confidence
- Limited
- Affiliation
- Christianity
Reported finances
- Revenue
- $30,771,230
- Expenses
- $29,888,697
- Assets
- $174,644,646
- Liabilities
- $166,517,664
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
10 people listed
Executive titles in this filing
- SHERRI SCHAEFER (CHAIRWOMAN, PRESIDENT)
Highest reported compensation
- MATTHEW BAINBRIDGE (SECRETARY-TREASURER): $127,320 total reported compensation
- SHERRI SCHAEFER (CHAIRWOMAN, PRESIDENT): $100,800 total reported compensation
- AUGUST BOESSEN (TRUSTEE): $9,600 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
To provide its members with insurance and investment products while reinvesting a portion of profits back into the communities and families of its members, with special support for Catholic education institutions and financial assistance to member families sending children to Catholic schools.
What it reported doing in 2025
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.
Operating model
- Revenue model
- Earned-program. 70% of the money available for current operations came from fees and other program 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
- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.
Rating breakdown
- Financial Efficiency: NotEnoughData
- Transparency & Controls: 93
- Accountability: 94
- Sustainability: 51
- Growth: 40
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: 100%; rating input score 100; 76th percentile among comparable filings
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 88.9%; rating input score 89; 17th percentile among comparable filings
- Governance controls: 9 of 9 controls in place; rating input score 100
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 2.9%; rating input score 36; 36th percentile among comparable filings
- Total-asset coverage ratio: 5.84; rating input score 80; 80th percentile among comparable filings
- Liabilities to assets ratio: 0.95; rating input score 3; 3rd percentile among comparable filings
- Officer compensation ratio: 1%; rating input score 86; 86th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 12.3% per year; rating input score 100; 81st percentile among comparable filings
- Asset growth: -0.7% per year; rating input score 0; 6th percentile among comparable filings
Details
- What they do: 4 programs and campaigns described on the official site · 1 operating location identified
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 8 of 9 board members independent · 9 of 9 filing controls reported
- Programs: 1 filed program accomplishment
- Leadership: top reported pay $127K · 10 people listed
- Highest-paid contractors: 2 contractors listed · $433K reported
- Consistency: 13 of 13 current checks pass
- Schedules: 3 filed schedules · includes grants
- Filing history: 16 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Money network: 10 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.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Growth: Asset growth scored 0/100.
- Moderate — Sustainability: Operating margin scored 36/100.
- High — Sustainability: Liabilities to assets ratio scored 3/100.