Civic Intelligence

Csa Fraternal Life

990 • Fiscal year 2022 • EIN 36-0971620

Jan 01, 2022 to Dec 31, 2022 • Filed on Nov 08, 2023

Organization Profilewww.csalife.com

View Organization Page

2050 S Finley RdLombard, IL 60148

(630) 472-0500

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

92nd percentile

0.96x

Higher debt load relative to assets than 92% of similar nonprofits.

2022 filings • $100M-$250M nonprofits • Source year 2022

Liabilities / Revenue

86th percentile

4.17x

Higher debt load relative to revenue than 86% of similar nonprofits.

2022 filings • $100M-$250M nonprofits • Source year 2022

Net Margin

54th percentile

7.0%

Higher net margin than 54% of similar nonprofits.

2022 filings • $100M-$250M nonprofits • Source year 2022

Top Officer Pay

27th percentile

$218,345

Higher top officer pay than 27% of similar nonprofits.

Top officer pay equals 0.9% of source-year revenue.

2022 filings • $100M-$250M nonprofits • Source year 2022

Asset Growth

3rd percentile

-23%

Faster asset growth than 3% of similar nonprofits.

2022 filings • $100M-$250M nonprofits • Annualized from 2021 to 2022

Revenue Growth

41st percentile

0.1%

Faster revenue growth than 41% of similar nonprofits.

2022 filings • $100M-$250M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Down

$105,903,902

Down $32,287,905 (-23%) from 2021

Net Assets

Up

$4,739,310

Up $522,909 (+12%) from 2021

Liabilities

Down

$101,164,592

Down $32,810,814 (-24%) from 2021

Revenue And Expenses
Liabilities / Revenue86th percentileNet Margin54th percentile

Revenue

Up

$24,248,357

Up $18,918 (+0.1%) from 2021

Expenses

Down

$22,559,697

Down $1,405,671 (-5.9%) from 2021

Net Income

Up

$1,688,660

Up $1,424,589 (+539%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth3rd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$150M$100M$50M$0Assets 2010: $118,392,872Liabilities 2010: $115,449,959Net Assets 2010: $2,942,9132010Assets 2011: $125,367,144Liabilities 2011: $123,041,433Net Assets 2011: $2,325,7112011Assets 2012: $132,101,476Liabilities 2012: $129,099,663Net Assets 2012: $3,001,8132012Assets 2013: $134,342,512Liabilities 2013: $131,135,199Net Assets 2013: $3,207,3132013Assets 2014: $135,293,220Liabilities 2014: $131,845,789Net Assets 2014: $3,447,4312014Assets 2015: $139,818,734Liabilities 2015: $136,273,085Net Assets 2015: $3,545,6492015Assets 2016: $139,796,325Liabilities 2016: $136,250,624Net Assets 2016: $3,545,7012016Assets 2017: $140,716,045Liabilities 2017: $137,248,703Net Assets 2017: $3,467,3422017Assets 2018: $139,664,388Liabilities 2018: $136,047,750Net Assets 2018: $3,616,6382018Assets 2019: $134,781,889Liabilities 2019: $131,107,673Net Assets 2019: $3,674,2162019Assets 2020: $135,999,994Liabilities 2020: $131,952,809Net Assets 2020: $4,047,1852020Assets 2021: $138,191,807Liabilities 2021: $133,975,406Net Assets 2021: $4,216,4012021Assets 2022: $105,903,902Liabilities 2022: $101,164,592Net Assets 2022: $4,739,3102022Assets 2023: $97,817,744Liabilities 2023: $94,792,820Net Assets 2023: $3,024,9242023Assets 2024: $94,376,425Liabilities 2024: $93,582,266Net Assets 2024: $794,1592024

Highlighted filing

2022

Assets$105,903,902
Liabilities$101,164,592
Net Assets$4,739,310
Open 2022 Filing

Operations Trend

Revenue Growth41st percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$30M$20M$10M$0-$10MExpenses 2010: $17,488,0172010Expenses 2011: $19,632,4362011Expenses 2012: $17,863,2302012Revenue 2013: $16,900,179Expenses 2013: $16,768,528Net Income 2013: $131,6512013Revenue 2014: $15,576,182Expenses 2014: $15,011,891Net Income 2014: $564,2912014Revenue 2015: $18,486,978Expenses 2015: $18,219,783Net Income 2015: $267,1952015Revenue 2016: $15,534,255Expenses 2016: $15,264,908Net Income 2016: $269,3472016Revenue 2017: $15,092,070Expenses 2017: $15,071,166Net Income 2017: $20,9042017Revenue 2018: $18,854,664Expenses 2018: $18,634,790Net Income 2018: $219,8742018Revenue 2019: $21,928,003Expenses 2019: $21,835,441Net Income 2019: $92,5622019Revenue 2020: $21,546,666Expenses 2020: $21,097,816Net Income 2020: $448,8502020Revenue 2021: $24,229,439Expenses 2021: $23,965,368Net Income 2021: $264,0712021Revenue 2022: $24,248,357Expenses 2022: $22,559,697Net Income 2022: $1,688,6602022Revenue 2023: $19,467,110Expenses 2023: $21,259,586Net Income 2023: -$1,792,4762023Revenue 2024: $16,575,080Expenses 2024: $17,973,484Net Income 2024: -$1,398,4042024

Highlighted filing

2022

Revenue$24,248,357
Expenses$22,559,697
Net Income$1,688,660
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Nov 8, 2023
Return Version
2022v5.0
Gross Receipts
$61,310,191
Mission and Program Overview

Mission

Csa fraternal life is a society that provides competitive insurance and retirement products to its members. With appreciation for our founding czech and slovak ancestors, our mission is to encourage and share a common bond through a social network that fosters community involvement promoting courtesy, compassion, and professionalism.

A society that provides competitive insurance and retirement products to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$134,987,556$102,798,662▼ $32,188,894
Rtn Earn Endowment Incm Other Fnds$4,216,401$4,739,310▲ $522,909
Other Notes and Loans Receivable, Net$1,127,725$1,100,223▼ $27,502
Cash and Non-Interest-Bearing Accounts$539,757$911,248▲ $371,491
Total Assets$138,191,807$105,903,902▼ $32,287,905
Other Assets Total$1,536,769$1,093,769▼ $443,000
Liabilities
Other Liabilities$133,724,709$93,866,132▼ $39,858,577
Accounts Payable and Accrued Expenses$250,697$7,298,460▲ $7,047,763
Total Liabilities$133,975,406$101,164,592▼ $32,810,814
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,216,401$4,739,310▲ $522,909
Total Liabilities and Net Assets / Fund Balance$138,191,807$105,903,902▼ $32,287,905
Compensation and Service Providers
Top Officer Pay27th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
John KielczewskiDirector/PresidentFT$192,484$25,861$218,345
John Kielczewski--$192,484$25,861$218,345
Matthew KoskiSecretary/TresurerFT$139,242$26,516$165,758
Matthew Koski--$139,242$26,516$165,758
Julie SouzaSales ManagerFT$118,770$20,541$139,311
Irma FarrellChairman of the Board-$9,250-$9,250
Carol TranterDirector-$6,250-$6,250
Cary MentzerDirector-$6,250-$6,250
Connie WolfDirector-$6,250-$6,250
Diane DibianceDirector-$6,250-$6,250
Kenneth DvorskyDirector-$6,250-$6,250
Paul VavrasekDirector-$6,250-$6,250
Terry PlacekDirector-$6,250-$6,250
Thomas LedvinaDirector-$6,250-$6,250

Highest Paid Contractors

ContractorServicesLocationCompensation
Steimla & Associates IncActuary2867 Gypsum Circle, Naperville, IL 60564$168,056
Parkway AdvisorsInvestment Advisor6550 Directors Parkway, Abilene, TX 79606$109,046
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$17,912,214
Investment Income
$6,168,607
Other Revenue
$167,536
Change in Net Assets
$1,688,660

Audited Revenue Reconciliation

Revenue per Audited Statements
$-15,049,431
Revenue Not Reported on Financial Statements
$39,297,788
Other Revenue Adjustments
$39,161,347
Total Revenue per Audited Statements
$-15,049,431
Total Revenue per Form 990
$24,248,357
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,618,011
Salaries, Compensation, and Employee Benefits$1,532,246
Grants and Similar Amounts Paid$23,100
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$19,386,340--$19,386,340
Other Salaries and Wages$924,696$0$0$924,696
Current Officers, Directors, Trustees, and Key Employees$331,726$0$0$331,726
Fees for Services Other$208,508$0$0$208,508
Office Expenses$204,799$0$0$204,799
Occupancy$192,490$0$0$192,490
Other Employee Benefits$173,280$0$0$173,280
Fees for Service Investment Mgmnt Fees$136,441$0$0$136,441
Travel$120,859$0$0$120,859
Information Technology$96,211$0$0$96,211
Payroll Taxes$82,210$0$0$82,210
Conferences and Meetings$80,765$0$0$80,765
Other Expenses$78,419$0$0$78,419
Insurance$58,438$0$0$58,438
All Other Expenses$58,225$0$0$58,225
Fees for Services Accounting$40,349$0$0$40,349
Grants to Domestic Individuals$23,100--$23,100
Pension Plan Contributions$20,334$0$0$20,334
Fees for Services Legal$18,246$0$0$18,246
Advertising$3,740$0$0$3,740
Total Functional Expenses$22,559,697$0$0$22,559,697

Audited Expense Reconciliation

Line ItemAmount
Expenses Not Reported on Financial Statements$39,297,788
Other Expense Adjustments$39,161,347
Total Expenses per Form 990$22,559,697
Expenses per Audited Statements$-16,738,091
Total Expenses per Audited Statements$-16,738,091
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Aggregate Reserves - Life Policies and Contract$90,243,812
Liability for Deposit Type Contracts$2,839,085
Asset Valuation Reserve$760,372
Premium and Annuity Considerations$22,374
Miscellaneous$489
Interest Maintenance Reserve$0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
CSA Fraternal Life
EIN
36-0971620
Phone
6304720500
Address
2050 S Finley Rd, Lombard, IL 60148

Signing Officer

Name
John Kielczewski
Title
President
Phone
6304720500
Signed
2023-11-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
John Kielczewski
Formed
1911
Legal Domicile
Il
Voting Board Members
10
Independent Board Members
9
Employees
16
Volunteers
3,900

Preparer

Firm
Hosack Specht Muetzel & Wood
Address
2 Penn Center West Suite 326, Pittsburgh, PA 15276
Preparer
Peter J Vancheri
Phone
4123439200
Supplemental Narrative

Additional Explanations

Pt VI, Line 11B

“The Form 990 is prepared by an independent CPA Firm. The prepared Form 990 is forwarded to the Board for Approval prior to filing with the Internal Revenue Service.”

Pt VI, Line 12C

“The statements are completed annually and any disclosed conflicts of interest are reviewed.”

Pt VI, Line 15A

“The President's compensation is set by the Board annually. The other officer's salaries are set by the President annually.”

Pt VI, Line 19

“Documents are available upon request.”

Pt XI

“Change in Non-Admitted Assets $(925,243), Change in Asset Valuation Reserve ($182,737). Total to Form 990 is ($1,165,751).”

Pt XII, Line 1

“Statutory Accounting is used based upon Insurance Industry Standards.”

Pt VI, Line 6

“The Organization's members are individuals who belong to a Local Lodge and have met membership requirements by purchashing one or more insurance and/or annuity products of CSA Fraternal Life.”

Pt VI, Line 7A

“The Board of Directors are elected by the Members at the Quadrennial Meeting and serve a term of four years.”

Financial Statement Notes

Pt XI, Line 4B

“Change in presentation of Premium Adjustment and change in Aggregate Reserves in amount of reinsurance ceded in the amount of $39,161,347.”

Pt XII, Line 4B

“Change in presentation of Premium Adjustment and change in Aggregate Reserves in amount of reinsurance ceded in the amount of $39,161,347.”

Raw XML AppendixShowing 400 of 529 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0250697
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt07298460
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0A society that provides competitive insurance and retirement products to its members.
IRS990/AdvertisingGrp/FundraisingAmt00
IRS990/AdvertisingGrp/ManagementAndGeneralAmt00
IRS990/AdvertisingGrp/ProgramServicesAmt03740
IRS990/AdvertisingGrp/TotalAmt03740
IRS990/AllOtherExpensesGrp/FundraisingAmt00
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/AllOtherExpensesGrp/ProgramServicesAmt058225
IRS990/AllOtherExpensesGrp/TotalAmt058225
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BenefitsToMembersGrp/ProgramServicesAmt019386340
IRS990/BenefitsToMembersGrp/TotalAmt019386340
IRS990/BooksInCareOfDetail/PersonNm0Matthew Koski
IRS990/BooksInCareOfDetail/PhoneNum06304720500
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02050 S Finley Rd Ste 70
IRS990/BooksInCareOfDetail/USAddress/CityNm0Lombard
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd060148
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0539757
IRS990/CashNonInterestBearingGrp/EOYAmt0911248
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt02
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0331726
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0331726
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/FundraisingAmt00
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt00
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt080765
IRS990/ConferencesMeetingsGrp/TotalAmt080765
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0109046
IRS990/ContractorCompensationGrp/CompensationAmt1168056
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt06550 Directors Parkway
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt12867 Gypsum Circle
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0Abilene
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1Naperville
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0TX
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1IL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd079606
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd160564
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0Parkway Advisors
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1Steimla & Associates Inc
IRS990/ContractorCompensationGrp/ServicesDesc0Investment Advisor
IRS990/ContractorCompensationGrp/ServicesDesc1Actuary
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt019386340
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt023100
IRS990/CYInvestmentIncomeAmt06168607
IRS990/CYOtherExpensesAmt01618011
IRS990/CYOtherRevenueAmt0167536
IRS990/CYProgramServiceRevenueAmt017912214
IRS990/CYRevenuesLessExpensesAmt01688660
IRS990/CYSalariesCompEmpBnftPaidAmt01532246
IRS990/CYTotalExpensesAmt022559697
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt024248357
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0CSA provides benefits and services coverage for life insurance and annuity products. CSA is America's oldest fraternal benefit society, and was established to help those in need. CSA was founded in 1854 on the principles of equality, harmony, and fraternity. CSA serves nearly 20,000 members spread throughout approximately 60 lodges in 21 states. Fraternal societies are defined by elements of purposes, harmony and community. We add value to our products and services through membership in a lodge system that encourages member benefits and programs focused on family values and community involvement.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt016
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/FundraisingAmt00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt040349
IRS990/FeesForServicesAccountingGrp/TotalAmt040349
IRS990/FeesForServicesLegalGrp/FundraisingAmt00
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt018246
IRS990/FeesForServicesLegalGrp/TotalAmt018246
IRS990/FeesForServicesOtherGrp/FundraisingAmt00
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt0208508
IRS990/FeesForServicesOtherGrp/TotalAmt0208508
IRS990/FeesForSrvcInvstMgmntFeesGrp/FundraisingAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/ManagementAndGeneralAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/ProgramServicesAmt0136441
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt0136441
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt04.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt14.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt24.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt34.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt44.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt54.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt64.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt74.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt84.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt925861
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1026516
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1120541
IRS990/Form990PartVIISectionAGrp/PersonNm0Irma Farrell
IRS990/Form990PartVIISectionAGrp/PersonNm1Diane Dibiance
IRS990/Form990PartVIISectionAGrp/PersonNm2Kenneth Dvorsky
IRS990/Form990PartVIISectionAGrp/PersonNm3Thomas Ledvina
IRS990/Form990PartVIISectionAGrp/PersonNm4Cary Mentzer
IRS990/Form990PartVIISectionAGrp/PersonNm5Terry Placek
IRS990/Form990PartVIISectionAGrp/PersonNm6Carol Tranter
IRS990/Form990PartVIISectionAGrp/PersonNm7Paul Vavrasek
IRS990/Form990PartVIISectionAGrp/PersonNm8Connie Wolf
IRS990/Form990PartVIISectionAGrp/PersonNm9John Kielczewski
IRS990/Form990PartVIISectionAGrp/PersonNm10Matthew Koski
IRS990/Form990PartVIISectionAGrp/PersonNm11Julie Souza
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt09250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt26250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt36250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt46250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt56250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt66250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt76250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt86250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9192484
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10139242
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11118770
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairman of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director/President
IRS990/Form990PartVIISectionAGrp/TitleTxt10Secretary/Tresurer
IRS990/Form990PartVIISectionAGrp/TitleTxt11Sales Manager
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01911
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/SecuritiesAmt0-779111
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt023100
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt023100
IRS990/GrantsToIndividualsInd0true
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt036282723
IRS990/GrossReceiptsAmt061310191
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt00
IRS990/InformationTechnologyGrp/ProgramServicesAmt096211
IRS990/InformationTechnologyGrp/TotalAmt096211
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt00
IRS990/InsuranceGrp/ProgramServicesAmt058438
IRS990/InsuranceGrp/TotalAmt058438
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt06947718
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0134987556
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0102798662
IRS990/IRPDocumentCnt01718
IRS990/IRPDocumentW2GCnt00
IRS990/LegalDomicileStateCd0IL
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt037061834
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingOtherInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0CSA Fraternal Life is a society that provides competitive insurance and retirement products to its members. With appreciation for our founding Czech and Slovak ancestors, our mission it to encourage and share a common bond through a social network that fosters community involvement promoting courtesy, compassion and professionalism.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt04216401
IRS990/NetAssetsOrFundBalancesEOYAmt04739310
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-779111
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-779111
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt0192490
IRS990/OccupancyGrp/TotalAmt0192490
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt0204799
IRS990/OfficeExpensesGrp/TotalAmt0204799
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01536769
IRS990/OtherAssetsTotalGrp/EOYAmt01093769
IRS990/OtherChangesInNetAssetsAmt0-1165751
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0173280
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0173280
IRS990/OtherExpensesGrp/Desc0Actuarial Fees
IRS990/OtherExpensesGrp/Desc1Taxes, Licenses, Fees
IRS990/OtherExpensesGrp/Desc2Bureau & Association Fees
IRS990/OtherExpensesGrp/Desc3Official Publications
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt0168056
IRS990/OtherExpensesGrp/ProgramServicesAmt166555
IRS990/OtherExpensesGrp/ProgramServicesAmt285910
IRS990/OtherExpensesGrp/ProgramServicesAmt378419
IRS990/OtherExpensesGrp/TotalAmt0168056
IRS990/OtherExpensesGrp/TotalAmt166555
IRS990/OtherExpensesGrp/TotalAmt285910
IRS990/OtherExpensesGrp/TotalAmt378419
IRS990/OtherLiabilitiesGrp/BOYAmt0133724709
IRS990/OtherLiabilitiesGrp/EOYAmt093866132
IRS990/OtherRevenueMiscGrp/BusinessCd0524113
IRS990/OtherRevenueMiscGrp/Desc0Miscellaneous
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0167536
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0167536
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueTotalAmt0167536
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0924696
IRS990/OtherSalariesAndWagesGrp/TotalAmt0924696
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01127725
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01100223
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt082210
IRS990/PayrollTaxesGrp/TotalAmt082210
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt020334
IRS990/PensionPlanContributionsGrp/TotalAmt020334
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0John Kielczewski
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0524113
IRS990/ProgramServiceRevenueGrp/BusinessCd1524113
IRS990/ProgramServiceRevenueGrp/BusinessCd2524113
IRS990/ProgramServiceRevenueGrp/Desc0Premiums & Annuity Considerations
IRS990/ProgramServiceRevenueGrp/Desc1Amortization of IMR
IRS990/ProgramServiceRevenueGrp/Desc2Allowances on Reinsurance Ceded
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt014644611
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1134695
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt23132908
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt020891789
IRS990/PYGrantsAndSimilarPaidAmt029500
IRS990/PYInvestmentIncomeAmt06934143
IRS990/PYOtherExpensesAmt01463715
IRS990/PYOtherRevenueAmt0225479
IRS990/PYProgramServiceRevenueAmt017069817
IRS990/PYRevenuesLessExpensesAmt0264071
IRS990/PYSalariesCompEmpBnftPaidAmt01580364
IRS990/PYTotalExpensesAmt023965368
IRS990/PYTotalRevenueAmt024229439
IRS990/ReconcilationRevenueExpnssAmt01688660
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04216401
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04739310
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt039297788
IRS990ScheduleD/ExpensesSubtotalAmt0-16738091
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt0136441
IRS990ScheduleD/InvestmentExpensesNotIncldAmt0136441
IRS990ScheduleD/OtherExpensesNotIncludedAmt039161347
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt090243812
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt12839085
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt222374
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt30
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt4760372
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt5489
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Aggregate Reserves - Life Policies and Contract
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Liability for Deposit Type Contracts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Premium and Annuity Considerations
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Interest Maintenance Reserve
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4Asset Valuation Reserve
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5Miscellaneous
IRS990ScheduleD/OtherRevenuesNotIncludedAmt039161347
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt039297788
IRS990ScheduleD/RevenueSubtotalAmt0-15049431
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Change in presentation of Premium Adjustment and change in Aggregate Reserves in amount of reinsurance ceded in the amount of $39,161,347.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1Change in presentation of Premium Adjustment and change in Aggregate Reserves in amount of reinsurance ceded in the amount of $39,161,347.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt XI, Line 4b
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt XII, Line 4b
IRS990ScheduleD/TotalExpensesPerForm990Amt022559697
IRS990ScheduleD/TotalLiabilityAmt093866132
IRS990ScheduleD/TotalRevenuePerForm990Amt024248357
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0-15049431
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0-16738091
IRS990ScheduleI/GrantRecordsMaintainedInd0true
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt023100
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0Scholarships
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt015
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0Student members are awarded Scholarships based on Class Rank, Grade Point Average, College Placement Score, Extracurricular activities (including CSA Activities) and Essays. Scholarships range in amount from $1,000 -$2,000. Scholarships are renewable for a second year providing the student maintains a 3.0 Grade Point Average.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0Other
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0192484
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1139242
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$105,903,902
Liabilities
$101,164,592
Net assets
$4,739,310
Revenue
$24,248,357
Expenses
$22,559,697
Net income
$1,688,660
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$94.4$93.6$0.79$16.6$18.0$1.40
2023Detailed filing. Detailed filing data is available for this year.$97.8$94.8$3.02$19.5$21.3$1.79
2022Detailed filing. Detailed filing data is available for this year.$106$101$4.74$24.2$22.6$1.69
2021Detailed filing. Detailed filing data is available for this year.$138$134$4.22$24.2$24.0$0.26
2020Detailed filing. Detailed filing data is available for this year.$136$132$4.05$21.5$21.1$0.45
2019Detailed filing. Detailed filing data is available for this year.$135$131$3.67$21.9$21.8$0.09
2018Detailed filing. Detailed filing data is available for this year.$140$136$3.62$18.9$18.6$0.22
2017Detailed filing. Detailed filing data is available for this year.$141$137$3.47$15.1$15.1$0.02
2016Detailed filing. Detailed filing data is available for this year.$140$136$3.55$15.5$15.3$0.27
2015Detailed filing. Detailed filing data is available for this year.$140$136$3.55$18.5$18.2$0.27
2014Detailed filing. Detailed filing data is available for this year.$135$132$3.45$15.6$15.0$0.56
2013Detailed filing. Detailed filing data is available for this year.$134$131$3.21$16.9$16.8$0.13
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$132$129$3.00$17.9
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$125$123$2.33$19.6
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$118$115$2.94$17.5