Civic Intelligence

Catholic United Financial Credit Union

EIN 41-2003422 • 501(c)14 • Saint Paul, MN

Profile

Not for profit financial cooperative providing deposit products such as savings checking cds and loan products such as new and used vehicles lines of credit revs and real estate loans and lines

3499 Lexington Ave NSaint Paul, MN 55126-7055

www.catholicunitedcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

82nd percentile

0.91x

Higher debt load relative to assets than 82% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

53rd percentile

16.28x

Higher debt load relative to revenue than 53% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

58th percentile

12%

Higher net margin than 58% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

63rd percentile

$135,414

Higher top officer pay than 63% of similar nonprofits.

Top officer pay equals 6.6% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Asset Growth

70th percentile

3.8%

Faster asset growth than 70% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

77th percentile

17%

Faster revenue growth than 77% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets82nd percentile

Assets

Up

$37,058,596

Up $1,356,443 (+3.8%) from 2023

Liabilities

Up

$33,635,885

Up $1,100,097 (+3.4%) from 2023

Net Assets

Up

$3,422,711

Up $256,346 (+8.1%) from 2023

Operations
Liabilities / Revenue53rd percentileNet Margin58th percentile

Revenue

Up

$2,065,673

Up $304,934 (+17%) from 2023

Expenses

Up

$1,809,327

Up $323,123 (+22%) from 2023

Net Income

Down

$256,346

Down $18,189 (-6.6%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth70th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$40M$30M$20M$10M$0Assets 2010: $8,816,296Liabilities 2010: $8,192,987Net Assets 2010: $623,3092010Assets 2011: $9,159,354Liabilities 2011: $8,458,982Net Assets 2011: $700,3722011Assets 2012: $18,539,774Liabilities 2012: $16,327,878Net Assets 2012: $2,211,8962012Assets 2013: $18,516,710Liabilities 2013: $16,285,030Net Assets 2013: $2,231,6802013Assets 2014: $17,590,333Liabilities 2014: $15,396,782Net Assets 2014: $2,193,5512014Assets 2015: $16,040,724Liabilities 2015: $13,865,183Net Assets 2015: $2,175,5412015Assets 2016: $16,631,533Liabilities 2016: $14,455,915Net Assets 2016: $2,175,6182016Assets 2017: $16,456,769Liabilities 2017: $14,191,707Net Assets 2017: $2,265,0622017Assets 2018: $16,973,055Liabilities 2018: $14,658,261Net Assets 2018: $2,314,7942018Assets 2019: $18,378,256Liabilities 2019: $15,973,750Net Assets 2019: $2,404,5062019Assets 2020: $21,289,015Liabilities 2020: $18,880,709Net Assets 2020: $2,408,3062020Assets 2021: $26,436,568Liabilities 2021: $23,529,168Net Assets 2021: $2,907,4002021Assets 2022: $33,471,960Liabilities 2022: $30,522,205Net Assets 2022: $2,949,7552022Assets 2023: $35,702,153Liabilities 2023: $32,535,788Net Assets 2023: $3,166,3652023Assets 2024: $37,058,596Liabilities 2024: $33,635,885Net Assets 2024: $3,422,7112024

Highlighted filing

2024

Assets$37,058,596
Liabilities$33,635,885
Net Assets$3,422,711
Open 2024 Filing

Operations Trend

Revenue Growth77th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $559,7882010Revenue 2011: $606,260Expenses 2011: $529,197Net Income 2011: $77,0632011Expenses 2012: $710,2572012Revenue 2013: $780,758Expenses 2013: $760,974Net Income 2013: $19,7842013Revenue 2014: $736,326Expenses 2014: $774,455Net Income 2014: -$38,1292014Revenue 2015: $729,555Expenses 2015: $747,565Net Income 2015: -$18,0102015Revenue 2016: $742,797Expenses 2016: $742,720Net Income 2016: $772016Revenue 2017: $850,201Expenses 2017: $760,757Net Income 2017: $89,4442017Revenue 2018: $821,205Expenses 2018: $771,473Net Income 2018: $49,7322018Revenue 2019: $910,826Expenses 2019: $821,114Net Income 2019: $89,7122019Revenue 2020: $922,142Expenses 2020: $918,342Net Income 2020: $3,8002020Revenue 2021: $1,062,007Expenses 2021: $1,010,147Net Income 2021: $51,8602021Revenue 2022: $1,238,181Expenses 2022: $1,195,826Net Income 2022: $42,3552022Revenue 2023: $1,760,739Expenses 2023: $1,486,204Net Income 2023: $274,5352023Revenue 2024: $2,065,673Expenses 2024: $1,809,327Net Income 2024: $256,3462024

Highlighted filing

2024

Revenue$2,065,673
Expenses$1,809,327
Net Income$256,346
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$37,058,596
Liabilities
$33,635,885
Net assets
$3,422,711
Revenue
$2,065,673
Expenses
$1,809,327
Net income
$256,346
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$37.1$33.6$3.42$2.07$1.81$0.26
2023Detailed filing. Detailed filing data is available for this year.$35.7$32.5$3.17$1.76$1.49$0.27
2022Detailed filing. Detailed filing data is available for this year.$33.5$30.5$2.95$1.24$1.20$0.04
2021Detailed filing. Detailed filing data is available for this year.$26.4$23.5$2.91$1.06$1.01$0.05
2020Detailed filing. Detailed filing data is available for this year.$21.3$18.9$2.41$0.92$0.92$0.00
2019Detailed filing. Detailed filing data is available for this year.$18.4$16.0$2.40$0.91$0.82$0.09
2018Detailed filing. Detailed filing data is available for this year.$17.0$14.7$2.31$0.82$0.77$0.05
2017Detailed filing. Detailed filing data is available for this year.$16.5$14.2$2.27$0.85$0.76$0.09
2016Detailed filing. Detailed filing data is available for this year.$16.6$14.5$2.18$0.74$0.74$0.00
2015Detailed filing. Detailed filing data is available for this year.$16.0$13.9$2.18$0.73$0.75$0.02
2014Detailed filing. Detailed filing data is available for this year.$17.6$15.4$2.19$0.74$0.77$0.04
2013Detailed filing. Detailed filing data is available for this year.$18.5$16.3$2.23$0.78$0.76$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.5$16.3$2.21$0.71
2011Summary only. Only limited summary data is available for this year.$9.16$8.46$0.70$0.61$0.53$0.08
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.82$8.19$0.62$0.56
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 6, 2025
Return Version
2024v5.1
Gross Receipts
$2,065,673
Mission and Program Overview

Mission

Not for Profit Financial Cooperative providing deposit products such as savings, checking, certificates of deposit and loan products such as new and used vehicles, unsecured loans and lines of credit, recreational vehicles and real estate loans and lines.

Not for profit financial cooperative providg deposit and loan products

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$16,562,866$17,715,587▲ $1,152,721
Savings and Temporary Cash Investments$10,415,219$12,570,933▲ $2,155,714
Investments Other Securities$7,957,962$5,971,962▼ $1,986,000
Rtn Earn Endowment Incm Other Fnds$3,166,365$3,422,711▲ $256,346
Cash and Non-Interest-Bearing Accounts$132,477$200,810▲ $68,333
Receivables From Officers Etc$141,745$79,625▼ $62,120
Accounts Receivable$21,016$54,987▲ $33,971
Prepaid Expenses and Deferred Charges$53,423$36,923▼ $16,500
Land, Buildings, and Equipment, Net$28,803$11,970▼ $16,833
Inventories for Sale or Use$0$8,000▲ $8,000
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$35,702,153$37,058,596▲ $1,356,443
Other Assets Total$388,642$407,799▲ $19,157
Liabilities
Other Liabilities$32,266,489$33,596,237▲ $1,329,748
Accounts Payable and Accrued Expenses$269,299$39,648▼ $229,651
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$32,535,788$33,635,885▲ $1,100,097
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,166,365$3,422,711▲ $256,346
Total Liabilities and Net Assets / Fund Balance$35,702,153$37,058,596▲ $1,356,443

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$11,970$121,301-
Other Securities$5,971,962--
Compensation and Service Providers
Top Officer Pay63rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Andrea KuhlPresidentFT$135,414$135,414
Alison CaldwellDirector of FinanceFT$124,800$124,800
Emily RipplingerBranch ManagerFT$87,776$87,776

Board Members and Trustees

NameTitle
Michael AhlesChairman of the Board
Harald BorrmannVice Chair of Board
Butch BeyersBoard Member
David StangBoard Member
Nathan LamusgaBoard Member
Tizoc RosalesBoard Member
Deb GephartSecretary Treasurer of Board
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,219,825
Investment Income
$645,848
Other Revenue
$200,000
All Other Contributions
$0
Change in Net Assets
$256,346
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$990,587
Salaries, Compensation, and Employee Benefits$818,740
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$0$0$0$609,688
Other Employee Benefits$0$0$0$196,599
Information Technology$0$0$0$109,543
Occupancy$0$0$0$39,381
Office Expenses$0$0$0$30,965
All Other Expenses$0$0$0$25,593
Fees for Services Accounting$0$0$0$23,722
Insurance$0$0$0$20,937
Depreciation Depletion$0$0$0$18,872
Advertising$0$0$0$17,762
Pension Plan Contributions$0$0$0$12,453
Other Expenses$0$0$0$8,704
Travel$0$0$0$2,984
Fees for Services Legal$0$0$0$485
Interest$0$0$0$444
Total Functional Expenses$0$0$0$1,809,327
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$141,745$79,625▼ $62,120
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$33,596,237
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
No
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
No
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Part VI, Line 11A

“Balanced to financials. Prepared by Director of Finance. Reviewed by President.”

Part VI, Line 15

“President is reviewed by Chairman of the Board. Other key officers reviewed by President.”

Filing and Contact Details

Filer

Filer Name
Catholic United Financial Credit Union
EIN
41-2003422
In Care Of
% ANDREA KUHL
Phone
6517654132
Address
3499 LEXINGTON AVE N, SAINT PAUL, MN 55126-7055

Signing Officer

Name
Andrea Kuhl
Title
President
Signed
2025-05-06

Organization Details

Formed
2001
Legal Domicile
Mn
Voting Board Members
7
Independent Board Members
7
Employees
0
Volunteers
7
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