2025-07-26T16:47:46-04:00 2024-12-31 874034989 J VRANA & COMPANY LLC 7780 RAYMOND DR MENTOR OH 440603660 990 2024-01-01 340105780 CZECH CATHOLIC UNION CZEC 2163410444 5349 DOLLOFF RD CLEVELAND OH 441271690 THERESA AVENI PRESIDENT/TREASURER 2163410444 2025-07-24 true false JOHN J VRANA CPA P01381081 4402279319 2025-07-26 2024 2025-03-06 01:10:19Z THERESA AVENI 8082 CHARDON RD KIRTLAND OH 44094 3336848 false X WWW.CZECHCCU.ORG X FRATERNAL 1879 OH TO PROVIDE FRATERNAL INSURANCE BENEFITS TO ITS MEMBERS. 9 0 4 0 0 200953 838804 1044693 950233 -1310 -3905 1244336 1785132 7300 6400 777287 1452631 187873 198233 0 0 187036 181829 1159496 1839093 84840 -53961 19899892 20054362 16797433 16992553 3102459 3061809 X TO PROVIDE FRATERNAL LIFE INSURANCE BENEFITS . TO PROVIDE SECURITY FOR MEMBERS THROUGH AFFORDABLE INSURANCE AND ANNUITY FINANCIAL PRODUCTS. TO PROMOTE , PERSERVE AND PERPETUATE THE COMMON BOND OF THE CZECH LANGUAGE, HERITAGE AND CULTURE. TO SPONSER EDUCATIONAL SCHOLARSHIPS AND FRATERNAL ACTIVITIES FOR THE BENEFIT OF ITS MEMBERS. TO SUPPORT THE COMMUNITIES WHEREIN OUR MEMBERSHIP RESIDES THROUGH ACTS OF BENEVOLENCE AND VOLUNTEERISM. false false 1774563 PROVIDE FRATERNAL INSURANCE BENEFITS TO MEMBERS. THE ORGANIZATION CONSISTS OF MEMBERS WITH 3,191 LIFE INSURANCE POLICIES AND 290 MEMBER ANNUITIES. 6400 6400 PROVIDE EDUCATIONAL SCHOLARSHIPS TO MEMBERS OF SCHOOL AGE FOR HIGHER LEARNING , PROVIDE DONATIONS TO VARIOUS CHURCHES AND CHARITIES 1780963 false false false false false false false false false true false false false true false true false false false false false false false false false false false true false false false false false false false false false false false false false false false false 62 0 true 4 true false false false false false false false false X 9 0 false false false false true true false true true true true true true true true true false true true true false X THERESA AVENI 2163410444 8082 CHARDON RD KIRTLAND OH 44094 THERESA AVENI PRESIDENT/TR 40.00 X X 100059 0 0 JANE MILCZEWSKI SECRETARY 35.00 X X 41498 0 0 AUDREY SCHMIDT VICE PRESIDE 3.00 X X 5734 0 0 ROBERT CERMAK PAST PRESIDE 1.00 X 596 0 0 KARLA MAHONEY DIRECTOR 1.00 X 596 0 0 MARYANN LANGEVIN DIRECTOR 1.00 X 596 0 0 CYNTHIA KVETON DIRECTOR 1.00 X 596 0 0 RICHARD PROSPAL DIRECTOR 1.00 X 596 0 0 ALLEN PERK DIRECTOR 1.00 X 596 0 0 150867 1 false false false PREMIUM INCOME FROM MEMBERS 836814 836814 SUNDRY REFUNDS AND DISCOUNTS 1990 1990 838804 961927 961927 1540022 1551716 -11694 -11694 -11694 AMORT INTEREST MAINT RESERVE -3905 -3905 -3905 1785132 1785132 6400 6400 1452631 1452631 150867 115477 35390 32823 24617 8206 14543 10907 3636 25450 22905 2545 644 644 24613 24613 17173 15456 1717 12049 10455 1594 31869 28682 3187 11674 9923 1751 178 178 7571 7467 104 6868 6868 12061 12061 OFFICIAL PUBLICATION 15478 15478 CHARITABLE DONATIONS 12198 12198 RENTAL OFFICE EQUIPMENT 2592 2592 STATE LICENSES AND FEES 1411 1411 1839093 1780963 58130 0 107975 83697 146117 40509 93139 105608 19394767 19556060 304011 308997 19899892 20054362 56782 28562 16740651 16963991 16797433 16992553 X 3102459 3061809 3102459 3061809 19899892 20054362 X -53961 13172 139 X false true X true false 21128 21128 74362 26871 47491 50627 13638 36989 105608 AGGREGATE RESERVE FOR LIFE & ANNUITY 16456294 ASSET VALUATION RESERVE 356273 TRUSTEE DEPOSIT FUNDS 62482 CERTIFICATE CONTRACT CLAIMS PAYABLE 42196 PROVISION FOR DIVIDENDS PAYABLE 35000 INTEREST MAINTENANCE RESERVE 9457 ADVANCE PREMIUMS FOR LIFE CONTRACTS 2289 16963991 1785132 1785132 1785132 1849990 10897 10897 1839093 1839093 SCHEDULE D, PAGE 4, PART XIII THE CERTIFIED AUDIT IS PERFORMED ON THE NAIC STATUTORY INSURANCE BASIS WHICH IS DIFFERENT FROM GENERALLY ACCEPTED ACCOUNTING PRINCIPLES. REALIZED LOSSES OF (10,897) FROM THE SALE OF BONDS WAS NOT RECOGNIZED BY STATUTORY INSURANCE ACCOUNTING BUT IS SHOWN ON THE TAX RETURN. NET INCOME(LOSS)PER AUDIT WAS(43,064). NET LOSS PER FORM 990 IS (53,961). true EDUCATION SCHOLARSHIPS 14 6400 SCHEDULE I, PAGE 4, PART IV EDUCATIONAL GRANTS PROVIDED FOR HIGH SCHOOL AND AND COLLEGE APPLICANTS. GRANTS AWARDED ARE 300 FOR HIGH SCHOOL AND 500 FOR COLLEGE EDUCATIONS. FORM 990 - ORGANIZATION'S MISSION TO PROVIDE FRATERNAL LIFE INSURANCE BENEFITS . TO PROVIDE SECURITY FOR MEMBERS THROUGH AFFORDABLE INSURANCE AND ANNUITY FINANCIAL PRODUCTS. TO PROMOTE , PERSERVE AND PERPETUATE THE COMMON BOND OF THE CZECH LANGUAGE, HERITAGE AND CULTURE. TO SPONSER EDUCATIONAL SCHOLARSHIPS AND FRATERNAL ACTIVITIES FOR THE BENEFIT OF ITS MEMBERS. TO SUPPORT THE COMMUNITIES WHEREIN OUR MEMBERSHIP RESIDES THROUGH ACTS OF BENEVOLENCE AND VOLUNTEERISM. FORM 990, PAGE 1, PART I, LINE 6 ASSISTANCE AT FRATERNAL FUNCTIONS AND MEETINGS FORM 990, PAGE 6, PART VI, LINE 6 THE ORGANIZATION IS A FRATERNAL BENEFIT SOCIETY WITH ITS MEMBERS BEING OWNERS OF A LIFE INSURANCE POLICY. MEMBERS ARE ACTIVE BY MAINTAINING AN INSURANCE OR ANNUITY POLICY CONTRACT. FORM 990, PAGE 6, PART VI, LINE 7A MEMBERS ARE ACTIVE BY MAINTAINING AN INSURANCE POLICY. MEMBERS CAN BE ELECTED TO BE A CONVENTION DELEGATE THROUGH THEIR RESPECTIVE LODGE SOCIETY.MEMBERS CAN BE NOMINATED FOR THE BOARD AT THE CONVENTION.THE CONVENTION IS HELD EVERY FOUR YEARS. FORM 990, PAGE 6, PART VI, LINE 9 AUDREY SCHMIDT 6556 HUNT CIRCLE MAYFIELD, OH 44143 ROBERT CERMAK 3633 WYNDE TREE DR. SEVEN HILLS, OH 44131 KARLA MAHONEY 209 GOULD AVE BEDFORD , OH 44146 MARYANN LANGEVIN 33429 CRESTWELL STERLING HTS., MI 48310 CYNTHIA KVETON 4029 HOLLY HILLS ST.LOUIS, MO 63116 RICHARD PROSPAL 312 NANCY CIRCLE BRUNSWICK, OH 44212 ALLEN PERK 107 AUTUMN RUSH COURT GAHANNA, OH 43230 FORM 990, PAGE 6, PART VI, LINE 11B CERTIFIED PUBLIC ACCOUNTANT PREPARES THE FORM AND REVIEWS IT WITH THE PRESIDENT AND THE TREASURER.THE FORM IS REVIEWED FOR AMOUNTS AND IS RECONCILED TO THE CERTIFIED STATUTORY AUDIT FOR ANY CHANGES IN POLICY OR PROCEDURES FROM THE PRIOR YEAR. BOARD IS THEN GIVEN A COPY FOR REVIEW. FORM 990, PAGE 6, PART VI, LINE 12C EACH YEAR THE DIRECTORS AND OFFICERS SIGN A CONFLICT OF INTEREST FORM. THE PRESIDENT REVIEWS THE FORMS FOR ANY POTENTIAL CONFLICTS. THE AUDIT CHAIRMAN REVIEWS THE OFFICERS DISCLOSURE FORMS FOR THE SAME. WHEN A CONFLICT OF INTEREST IS DISCLOSED , THE GOVERNING BOARD WILL REVIEW ALL MATERIAL FACTS. IF THE BOARD DETERMINES THAT A CONFLICT EXISTS THEY WILL TAKE APPROPRIATE ACTIONS TO ADDRESS THE CONFLICT. THIS MAY INCLUDE PROHIBITING ANY INTERESTED PARTIES FROM VOTING OR TERMINATING EMPLOYMENT WITH THE ORGANIZATION. FORM 990, PAGE 6, PART VI, LINE 15A SALARY IS SET BY THE BOARD OF DIRECTORS AND IS REVIEWED ANNUALLY. FORM 990, PAGE 6, PART VI, LINE 15B PRESIDENT REVIEWS ALL OFFICE EMPLOYEES SALARIES ANNUALLY. BOARD REVIEWS SECRETARY AND VICE PRESIDENT SALARIES ANNUALLY. FORM 990, PAGE 6, PART VI, LINE 19 NO DOCUMENTS AVAILABLE TO THE PUBLIC FORM 990, PART XI, LINE 9 DECREASE IN ASSET VALUATION RESERVE 0 DECREASE IN INTEREST MAINT RESR 10,897 INCREASE IN ASSET VALUATION RESERVE -10,758 INCREASE IN INTEREST MAINTENANCE RESERVE 0 BOOK AND TAX DEPRECIATION DIFFERENCE 0 TOTAL 139