2020-11-12T10:02:51-06:00 2019-12-31 BKD LLP 1201 Walnut Suite 1700 Kansas City MO 641062246 990 2019-01-01 446015072 COMMUNITYAMERICA CREDIT UNION % TIMOTHY SARACINI COMM 9139057000 9777 RIDGE DRIVE LENEXA KS 66219 AMY DOLL VP, ACCOUNTING AND F 9139057000 2020-11-16 true Gregory M Sullivan P01259107 8162216300 2020-11-15 167.68.126.162 43372220203175000009 2020-11-12 P 58BB11ABC7C4FDA1DF09FDC68E0A939E11C0C082 8B1801CACFD2A72DD32AD7C8C81A15F9B48A31ED 2019 2022-01-07 14:23:13Z AMY DOLL 9777 RIDGE DRIVE LENEXA KS 66219 280485881 false 1984 X WWW.CACU.COM X 1940 MO COMMUNITYAMERICA CREDIT UNION'S PRIMARY PURPOSE IS TO PROMOTE THE FINANCIAL WELL BEING OF ITS CREDIT UNION MEMBERS THROUGH FINANCIAL SERVICES AND PRODUCTS. 11 11 839 17 1789055 0 0 148888028 166212898 13225784 25162938 63600 63000 162177412 191438836 796264 1145077 0 0 59453099 60238713 0 0 0 92053250 104800923 152302613 166184713 9874799 25254123 2673158341 2942812522 2347093003 2577401734 326065338 365410788 X COMMUNITYAMERICA CREDIT UNION'S PRIMARY PURPOSE IS TO PROMOTE THE FINANCIAL WELL BEING OF ITS CREDIT UNION MEMBERS THROUGH FINANCIAL SERVICES AND PRODUCTS. false false COMMUNITYAMERICA CREDIT UNION PROVIDES FINANCIAL PRODUCTS AND SERVICES TO NEARLY 245,000 MEMBERS, INCLUDING MORE THAN 109,000 LOANS OUTSTANDING AT 12.31.19, MORE THAN 37,000 LOANS GRANTED FY 2019, COMPETITIVE RATES OFFERED TO MEMBERS, AND 538,000 DEPOSIT ACCOUNTS AT COMPETITIVE YIELDS. false false true false false false false true false true false false false true true false true false false false false false false false false false true false true false true false false false false false false false false true true true true false true 102584 0 true 839 true true true false false false false false true false X 11 11 true false false false true true true true true false true true false true true true false true true false false KS MO X TIMOTHY SARACINI 9139057000 9777 RIDGE DRIVE LENEXA KS 66219 X LISA R GINTER CHIEF EXECUTIVE OFFICER 40.0 0.0 X 1091200 0 965246 TIMOTHY R SARACINI CHIEF FINANCIAL OFFICER 40.0 0.0 X 496731 0 315489 MICHAEL P HAGGERTY PRESIDENT/COO-CUSO ONE 40.0 0.0 X 554185 0 228401 EDWIN L RAFFERTY MORTGAGE CONSULTANT 40.0 0.0 X 616664 0 43898 PAMELA R BERNEKING CHIEF OPERATIONS OFFICER 40.0 0.0 X 396876 0 140238 DANIEL L BENTZINGER CHIEF INFORMATION OFFICER 40.0 0.0 X 515338 0 18704 ANITA B NEWTON CHIEF INNOVATION OFFICER- CUSO 40.0 0.0 X 383149 0 50158 RICHARD R SCHIER CHIEF MEMBER OFFICER 40.0 0.0 X 350456 0 73974 JUSTIN R STEITZ COO/CCO- CAFS 40.0 0.0 X 325501 0 84639 TIMOTHY R MCGRATH MORTGAGE CONSULTANT 40.0 0.0 X 364551 0 37148 HEATH T BURCH DIRECTOR- WEALTH MANAGEMENT 40.0 0.0 X 357260 0 39150 COLLEEN K BROWNE CHIEF PEOPLE OFFICER 40.0 0.0 X 377730 0 0 JASON D KEPLER MORTGAGE CONSULTANT 40.0 0.0 X 330203 0 40660 COLBY HIGGINS MORTGAGE ADVISOR- OUTBOUND SAL 40.0 0.0 X 275511 0 20756 ELIZABETH T LEWIS SVP- COMMERCIAL BANKING 40.0 0.0 X 255953 0 37361 JULIA SCHALLER SVP- HUMAN RESOURCES 40.0 0.0 X 224457 0 36960 JOAN K COHEN CHIEF ADMINISTRATIVE OFFICER 40.0 0.0 X 216957 0 23268 MICHAEL H GARRETT VP- TREASURER 40.0 0.0 X 200679 0 38384 LINDA K BORING VP- MEMBER OPERATIONS 40.0 0.0 X 201473 0 35193 RANDALL L BENTELE VP- CORE & CORPORATE DELIVERY 40.0 0.0 X 201012 0 35451 AMY I DOLL SVP- ACCOUNTING & FINANCE SVCS 40.0 0.0 X 197049 0 38043 AMY R GROTHAUS SVP- MEMBER EXPERIENCE 40.0 0.0 X 194681 0 34853 DEBRA D SWEARINGEN VP- COMMERCIAL BANKING 40.0 0.0 X 208195 0 21025 JOHN A WATTS VP- CORP PROPERTIES & ASST GEN 40.0 0.0 X 188350 0 39315 BRIAN W LUGER VP- LENDING 40.0 0.0 X 185046 0 36080 KENNETH F TORGLER VP- COMMERCIAL CREDIT OFFICER 40.0 0.0 X 176500 0 26567 MATTHEW C JOHNSON VP- MARKETING 40.0 0.0 X 155171 0 34659 SCOTT H STRICKLAND PRESIDENT- INSURANCE SERVICES 40.0 0.0 X 147952 0 23558 CRAIG K MCCURDY VP- INFRASTRUCTURE & SECURITY 40.0 0.0 X 115715 0 20309 MICHAEL P FENLEY VP- ANALYTICS & BUSINESS INTEL 40.0 0.0 X 127813 0 0 RAVI PERUMPARAMBIL CHIEF INFORMATION OFFICER 40.0 0.0 X 82836 0 8251 CHRISTINE A HALLA VP- COMPLIANCE 40.0 0.0 X 81975 0 4996 ALYSSA N AKERS VP- RISK & BUSINESS ADMINISTRA 40.0 0.0 X 44480 0 3213 KARL J GEISLER SVP- DIGITAL STRATEGY & SYSTEM 40.0 0.0 X 17728 0 1822 DEAN NEWTON CHAIRMAN 1.0 0.0 X X 0 0 0 KERRY DOMKE VICE CHAIRMAN 1.0 0.0 X X 0 0 0 DAVID SHEPARD SECRETARY/TREASURER 1.0 0.0 X X 0 0 0 MELANIE COLEMAN DIRECTOR 1.0 0.0 X 0 0 0 STEVE KROPP DIRECTOR 1.0 0.0 X 0 0 0 ALAN LOWDEN DIRECTOR 1.0 0.0 X 0 0 0 AMY MCANARNEY DIRECTOR 1.0 0.0 X 0 0 0 RICH MILLER DIRECTOR 1.0 0.0 X 0 0 0 TRENT SKAGGS DIRECTOR 1.0 0.0 X 0 0 0 ALOK SRIVASTAVA DIRECTOR 1.0 0.0 X 0 0 0 RICHARD WETZEL DIRECTOR 1.0 0.0 X 0 0 0 JOE WILLIAMS SUPERVISORY COMMITTEE CHAIR 1.0 0.0 X 0 0 0 HAL BENTLEY SUPERVISORY COMMITTEE 1.0 0.0 X 0 0 0 JOSHUA JOHNSON SUPERVISORY COMMITTEE 1.0 0.0 X 0 0 0 TRACY CHRISTIAN SUPERVISORY COMMITTEE 1.0 0.0 X 0 0 0 8709207 0 2434394 112 true true false NCR CORPORATION 14181 COLLECTIONS DRIVE CHICAGO IL 60693 COMPUTER HARDWARE 4412078 CACTUS COMMUNICATIONS INC 2128 15TH STREET DENVER CO 80202 MARKETING/MEDIA 2343182 WORLD WIDE TECHNOLOGY INC 90 WELDON PARKWAY MARYLAND MO 63043 TECHNOLOGY SERVICES 1889776 AL HUBER 10770 EL MONTE OVERLAND PARK KS 66211 GENERAL CONTRACTING 1473715 DIMENSIONAL INNOVATIONS INC 3421 MERRIAM DRIVE OVERLAND PARK KS 66203 DESIGN/CONSTRUCTION 1077739 65 0 Interest on Loans 522200 99591972 99591972 Service Fees 522100 55908023 54523050 1384973 Other Operating Income 900099 1945399 1945399 Interest on Investments 525990 6618712 6618712 All other program service revenue 525990 2148792 1744710 404082 166212898 0 0 0 63000 63000 0 63000 63000 114209983 89047045 25162938 25162938 25162938 0 0 0 0 0 0 0 0 0 0 191438836 189586781 1789055 63000 1145077 0 0 0 9713615 0 34833014 3296122 9125224 3270738 337752 454229 228170 0 0 2700 13617843 8976096 7323131 10427527 0 5775310 848971 0 157824 24348584 0 5414784 346975 Provision for Loan Loss 12549993 Miscellaneous Operation 6451404 Loan Servicing 6869380 Dues and Subscriptions 670250 166184713 41227153 40690913 90400202 138655752 0 0 777311 1095648 3321154 3913603 0 0 1882023383 2111390833 0 0 6474656 6335770 109353572 51489162 57196667 57864410 500526508 473345258 51058988 57895365 0 0 0 0 40152319 51624970 2673158341 2942812522 8479866 12074206 0 0 2097647 1625582 0 0 2200688090 2434730890 0 0 107200000 89300000 0 0 28627400 39671056 2347093003 2577401734 X 0 0 0 0 326065338 365410788 326065338 365410788 2673158341 2942812522 X 25254123 503906 -289314 13876735 X X false true X true false 17520 17520 17520 true CREDIT UNION PAC 2055 CRAIGSHIRE RD SUITE 200 ST LOUIS MO 63146 431310069 17520 PART I-A, LINE 1: COMMUNITYAMERICA DONATES FUNDS TO VARIOUS POLITICAL ACTION COMMITTEES AND STATE AND LOCAL GOVERNMENT CANDIDATES THAT PROMOTE AND SUPPORT THE ACTIVIITES OF FINANCIAL INSTITUTIONS, AND MISSOURI AND KANSAS BUSINESSES. false true X 14096689 14096689 47489056 21326361 26162695 4462611 3135608 1327003 35239121 23113133 12125988 7678052 3526017 4152035 57864410 0 Other Liabilities 22745620 Special Dividends to Members 8500000 DEFERRED COMPENSATION LIABILITY 8425436 39671056 X SCHEDULE D, PART IV, LINE 2B: AS PART OF OUR NORMAL FIRST MORTGAGE LOAN SERVICING PROCESSES, PAYMENTS ARE COLLECTED MONTHLY FROM THE BORROWER AND PLACED IN ESCROW TO PAY THEIR REAL ESTATE TAXES AND HOMEOWNER INSURANCE. COMMUNITYAMERICA PAYS THE TAXES AND INSURANCE PREMIUMS WHEN DUE ON BEHALF OF THE BORROWER. SCHEDULE D, PART X, LINE 2: THE CREDIT UNION IS EXEMPT FROM FEDERAL INCOME TAXES UNDER SECTION 501(C)(14) OF THE INTERNAL REVENUE CODE, EXCEPT FOR ANY UNRELATED BUSINESS INCOME TAX. DEFERRED TAX ASSETS AND LIABILITIES ARE RECOGNIZED FOR THE TAX EFFECTS OF DIFFERENCES BETWEEN THE FINANCIAL STATEMENT AND TAX BASIS OF ASSETS AND LIABILITIES. A VALUATION ALLOWANCE IS ESTABLISHED TO REDUCE DEFERRED TAX ASSETS IF IT IS MORE LIKELY THAN NOT THAT SOME PORTION OR ALL OF THE DEFERRED TAX ASSET WILL NOT BE REALIZED. THE CREDIT UNION ACCOUNTS FOR UNCERTAINTY IN INCOME TAXES IN ACCORDANCE WITH ASC TOPIC 740, INCOME TAXES, WHICH ADDRESSES THE DETERMINATION OF WHETHER TAX BENEFITS CLAIMED OR EXPECTED TO BE CLAIMED ON A TAX RETURN SHOULD BE RECORDED IN THE FINANCIAL STATEMENTS. UNDER THIS GUIDANCE, THE CREDIT UNION MAY RECOGNIZE THE TAX BENEFITS FROM AN UNCERTAIN TAX POSITION ONLY IF IT IS MORE LIKELY THAN NOT THAT THE TAX POSITION WILL BE SUSTAINED ON EXAMINATION BY TAXING AUTHORITIES, BASED ON TECHNICAL MERITS OF THE POSITION. THE TAX BENEFITS RECOGNIZED IN THE CONSOLIDATED FINANCIAL STATEMENTS FROM SUCH A POSITION ARE MEASURED BASED ON THE LARGEST BENEFIT THAT HAS A GREATER THAN 50 PERCENT LIKELIHOOD OF BEING REALIZED UPON ULTIMATE SETTLEMENT. THE GUIDANCE ON ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES ALSO ADDRESSES DERECOGNITION, CLASSIFICATION, INTEREST AND PENALTIES ON INCOME TAXES, AND ACCOUNTING IN INTERIM PERIODS. THIS STANDARD DID NOT HAVE AN IMPACT ON THE CONSOLIDATED FINANCIAL STATEMENTS, AND THE CREDIT UNION DOES NOT HAVE ANY UNCERTAIN TAX POSITIONS. THE CREDIT UNION RECOGNIZES INTEREST AND PENALTIES ON INCOME TAXES AS A COMPONENT OF INCOME TAX EXPENSE. true AMERICAN HEART ASSOCIATION 7272 GREENVILLE AVE DALLAS TX 75231 135613797 501(C)(3) 30000 GENNERAL SUPPORT BOYS AND GIRLS CLUBS OF GREATER KANSAS CITY 4001 BLUE PARKWAY NO 102 KANSAS CITY MO 64132 436072065 501(C)(3) 50000 GENERAL SUPPORT CHILDREN'S MERCY HOSPITAL 2401 GILLHAM ROAD KANSAS CITY MO 64108 440605373 501(C)(3) 47145 GENNERAL SUPPORT CHRISTO REY KANSAS CITY 2110 WEST LINWOOD KANSAS CITY MO 64111 202842522 501(C)(3) 24300 GENERAL SUPPORT FAITH ALWAYS WINS FOUNDATION 1900 WEST 87TH STREET PARKWAY SUITE 225 LENEXA KS 66215 472237780 501(C)(3) 12000 GENERAL SUPPORT JUVENILE DIABETES RESEARCH FOUNDATION 120 WALL STREET FL 19 NEW YORK NY 10005 510150028 501(C)(3) 15000 GENERAL SUPPORT ROCKHURST UNIVERSITY 1100 ROCKHURST ROAD KANSAS CITY MO 64110 440545813 501(C)(3) 35000 GENERAL SUPPORT KANSAS CITY SOCCER FOUNDATION 2020 BALTIMORE AVENUE SUITE 400 KANSAS CITY MO 64108 208657964 501(C)(3) 20000 GENERAL SUPPORT COMMUNITYAMERICA FOUNDATION 9777 RIDGE DRIVE LENEXA KS 66219 820725136 501(C)(3) 400000 COMMUNITY SUPPORT GREATER KANSAS CITY SPORTS COMMISSION 2600 GRAND BLVD NO 100 KANSAS CITY MO 64108 431521059 501(C)(6) 50000 GENERAL SUPPORT 15 AND THE MAHOMIES 1701 DIRECTORS BLVD AUSTIN TX 78744 834134118 501(C)(3) 50000 GENERAL SUPPORT UNION STATION KANSAS CITY INC 30 WEST PERSHING ROAD SUITE 400 KANSAS CITY MO 64108 431890025 501(C)(3) 30000 GENERAL SUPPORT UNITED WAY OF GREATER KANSAS CITY 801 WEST 47TH STREET STE 500 KANSAS CITY MO 64112 440545812 501(C)(3) 25000 GENERAL SUPPORT PUBLIC TELEVISION 19 INC 125 EAST 31ST STREET KANSAS CITY MO 64108 237114952 501(C)(3) 10000 GENERAL SUPPORT HARVESTERS 3801 TOPPING AVE KANSAS CITY MO 64129 431208665 501(C)(3) 10000 GENERAL SUPPORT NATIONAL CREDIT UNION FOUNDATION 5710 MINERAL POINT ROAD PO BOX 431 MADISON WI 53705 391383650 501(C)(3) 10000 GENERAL SUPPORT HEARTLAND CREDIT UNION CHARITABLE FOUNDATION 2055 CRAIGSHIRE DRIVE ST LOUIS MO 63146 431896922 501(C)(3) 6600 GENERAL SUPPORT KANSAS CITY URBAN YOUTH ACADEMY ONE ROYAL WAY KANSAS CITY MO 64129 475312862 501(C)(3) 6200 GENERAL SUPPORT HILLCREST MINISTRIES PO BOX 17 LIBERTY MO 64069 431175750 501(C)(3) 7500 GENERAL SUPPORT CITY YEAR 287 COLUMBUS AVENUE BOSTON MA 02116 222882549 501(C)(3) 10000 GENERAL SUPPORT 19 1 SCHEDULE I, PART I, LINE 2 GRANTS ARE PROVIDED TO 501(C)(3) TAX EXEMPT ORGANIZATIONS LOCATED WITHIN THE SERVICE AREA OF COMMUNITYAMERICA CREDIT UNION(CACU). ALL GRANTS ARE GIVEN TO ORGANIZATIONS ON AN UNRESTRICTED BASIS FOR GENERAL ORGANIZATIONAL SUPPORT THAT AN OFFICER OR EMPLOYEE OF CACU HAS A CONNECTION TO, THEREFORE THE USE OF THE GRANT FUNDS IS MONITORED THROUGH THAT CONNECTION. X X X true true X X X X X true true false LISA R GINTER CHIEF EXECUTIVE OFFICER 718530 0 370348 0 2322 0 939576 0 25670 0 2056446 0 0 0 MICHAEL P HAGGERTY PRESIDENT/COO-CUSO ONE 380575 0 172800 0 810 0 199837 0 28564 0 782586 0 0 0 DANIEL L BENTZINGER CHIEF INFORMATION OFFICER 99849 0 103504 0 311985 0 7086 0 11618 0 534042 0 0 0 TIMOTHY R SARACINI CHIEF FINANCIAL OFFICER 335510 0 139745 0 21476 0 286844 0 28645 0 812220 0 0 0 PAMELA R BERNEKING CHIEF OPERATIONS OFFICER 295660 0 97504 0 3712 0 118349 0 21889 0 537114 0 0 0 COLLEEN K BROWNE CHIEF PEOPLE OFFICER 0 0 68057 0 309673 0 0 0 0 0 377730 0 0 0 RICHARD R SCHIER CHIEF MEMBER OFFICER 247219 0 100767 0 2470 0 47391 0 26583 0 424430 0 0 0 JOAN K COHEN CHIEF ADMINISTRATIVE OFFICER 214954 0 150 0 1853 0 13163 0 10105 0 240225 0 0 0 EDWIN L RAFFERTY MORTGAGE CONSULTANT -11764 0 628274 0 154 0 16500 0 27398 0 660562 0 0 0 TIMOTHY R MCGRATH MORTGAGE CONSULTANT -6614 0 371011 0 154 0 15421 0 21727 0 401699 0 0 0 HEATH T BURCH DIRECTOR- WEALTH MANAGEMENT 298214 0 58357 0 689 0 16500 0 22650 0 396410 0 0 0 JASON D KEPLER MORTGAGE CONSULTANT -8474 0 338523 0 154 0 16500 0 24160 0 370863 0 0 0 COLBY HIGGINS MORTGAGE ADVISOR- OUTBOUND SAL 29007 0 246349 0 155 0 11668 0 9088 0 296267 0 0 0 ANITA B NEWTON CHIEF INNOVATION OFFICER- CUSO 274431 0 107321 0 1397 0 49002 0 1156 0 433307 0 0 0 ELIZABETH T LEWIS SVP- COMMERCIAL BANKING 203545 0 51592 0 816 0 14205 0 23156 0 293314 0 0 0 JULIA SCHALLER SVP- HUMAN RESOURCES 192926 0 30417 0 1114 0 13770 0 23190 0 261417 0 0 0 DEBRA D SWEARINGEN VP- COMMERCIAL BANKING 162751 0 44527 0 917 0 12452 0 8573 0 229220 0 0 0 LINDA K BORING VP- MEMBER OPERATIONS 155752 0 44168 0 1553 0 12281 0 22912 0 236666 0 0 0 RANDALL L BENTELE VP- CORE & CORPORATE DELIVERY 157708 0 41679 0 1625 0 9034 0 26417 0 236463 0 0 0 MICHAEL H GARRETT VP- TREASURER 142818 0 45591 0 12270 0 10319 0 28065 0 239063 0 0 0 AMY I DOLL SVP- ACCOUNTING & FINANCE SVCS 155502 0 40893 0 654 0 12294 0 25749 0 235092 0 0 0 AMY R GROTHAUS SVP- MEMBER EXPERIENCE 152605 0 41612 0 464 0 11769 0 23084 0 229534 0 0 0 JOHN A WATTS VP- CORP PROPERTIES & ASST GEN 145243 0 42484 0 623 0 11895 0 27420 0 227665 0 0 0 BRIAN W LUGER VP- LENDING 142542 0 41057 0 1447 0 11495 0 24585 0 221126 0 0 0 KENNETH F TORGLER VP- COMMERCIAL CREDIT OFFICER 139209 0 36483 0 808 0 10802 0 15765 0 203067 0 0 0 MATTHEW C JOHNSON VP- MARKETING 119775 0 34993 0 403 0 8438 0 26221 0 189830 0 0 0 SCOTT H STRICKLAND PRESIDENT- INSURANCE SERVICES 114584 0 32248 0 1120 0 7153 0 16405 0 171510 0 0 0 JUSTIN R STEITZ COO/CCO- CAFS 219488 0 105369 0 644 0 59377 0 25262 0 410140 0 0 0 SCHEDULE J, PART I, LINE 1A: COMMUNITYAMERICA PROVIDED TRAVEL FOR COMPANIONS, IF REQUIRED, FOR ALL PERSONS LISTED. THIS BENEFIT WAS NOT TREATED AS TAXABLE COMPENSATION TO THE PERSON LISTED, BUT TO THE TRAVELING COMPANION. THE SENIOR OFFICERS OF COMMUNITYAMERICA ARE REIMBURSED FOR INCOME TAX PREPARATION EXPENSES, IF REQUIRED. THESE REIMBURSEMENTS ARE INCLUDED IN THEIR TAXABLE COMPENSATION. SCHEDULE J, PART I, LINES 4A-B: 4A: THE FOLLOWING INDIVIDUALS RECEIVED A SEVERANCE PAYMENT OR A CHANGE OF CONTROL PAYMENT: DANIEL BENTZINGER $ 301,750 COLLEEN BROWNE $ 309,673 MICHAEL FENLEY $ 85,700 4B: THE FOLLOWING INDIVIDUALS PARTICIPATED IN A SUPPLEMENTAL NONQUALIFIED RETIREMENT PLAN, THE AMOUNTS ARE INCLUDED IN THE COLUMN (C) OF SCHEDULE J, PART II: LISA GINTER $ 923,076 TIM SARACINI $ 270,344 PAM BERNEKING $ 101,849 RICK SCHIER $ 31,596 MICHAEL HAGGERTY $ 183,337 JUSTIN STEITZ $ 46,669 ANITA NEWTON $ 38,892 LINDA BORING OFFICER PERSONAL X 201500 70279 false false true MICHAEL GARRETT OFFICER PERSONAL X 586121 435841 false false true LISA GINTER OFFICER PERSONAL X 1352036 1213248 false false true AMY GROTHAUS OFFICER PERSONAL X 522960 501021 false false true TIM SARACINI OFFICER PERSONAL X 10000 374 false false true RICH SCHIER OFFICER PERSONAL X 396361 229191 false false true JOHN WATTS OFFICER PERSONAL X 208500 173247 false false true DEBRA SWEARINGEN OFFICER PERSONAL X 412129 356523 false false true AMY DOLL OFFICER PERSONAL X 438000 418049 false false true BRIAN LUGER OFFICER PERSONAL X 50000 32502 false false true RANDY BENTELE OFFICER PERSONAL X 4000 1649 false false true MATT JOHNSON OFFICER PERSONAL X 513567 479159 false false true PAM BERNEKING OFFICER PERSONAL X 211239 178157 false false true 4089240 FORM 990, PART VI, SECTION A, LINE 2: LISA GINTER (CEO) BROTHER, MIKE HAGGERTY IS PRESIDENT/COO OF CUSO ONE. DEAN NEWTON (BOARD CHAIR) WIFE ANITA NEWTON, CHIEF INNOVATION OFFICER OF CUSO ONE FORM 990, PART VI, SECTION A, LINE 6: AS A COOPERATIVE, COMMUNITYAMERICA IS OWNED BY ITS MEMBERS. TO BE A MEMBER, YOU MUST MEET CERTAIN QUALIFIATIONS. MEMBERSHIP ENTITILES YOU TO CONDUCT BUSINESS WITH THE CREDIT UNION AND VOTE IN MATTERS OF THE CREDIT UNION. EVERY MEMBER HAS ONE VOTE. FORM 990, PART VI, SECTION A, LINE 7A: COMMUNITYAMERICA UTILIZES A NOMINATING COMMITTEE TO PROPROSE CANDIDATES FOR THE BOARD OF DIRECTIONS. NOMINATIONS FOR VACANCIES AND/OR AGENDA ITEMS FOR THE ANNUAL MEETING MAY BE SUBMITTED BY THE GENERAL MEMBERSHIP BY PETITION. BOARD MEMBERS ARE APPROVED AT THE ANNUAL MEETING BY ACCLAMATION. FORM 990, PART VI, SECTION A, LINE 7B: AN ACTUAL VOTE BY THE MEMBERSHIP IS REQUIRED TO CHANGE THE CREDIT UNION'S CHARTER OR CERTAIN BYLAWS. FORM 990, PART VI, SECTION B, LINE 11B: AN INDEPENDENT ACCOUNTING FIRM PREPARES AND REVIEWS THE 990. THE 990 IS THEN REVIEWED BY COMMUNITYAMERICA'S VP, CONTROLLER AND CFO PRIOR TO FILING. ANY QUESTIONS OR CONCERNS ARE ADDRESSED AND ANY CLARIFICATION OR CORRECTIONS THAT NEED TO BE MADE ARE MADE. FORM 990, PART VI, SECTION B, LINE 12C: DIRECTORS AND EMPLOYEES ARE REQUIRED TO DISCLOSE ANY PERSON OR ENTITY THAT THEY HAVE A RELATIONSHIP WITH ON AN ANNUAL BASIS. THESE RELATIONSHIPS ARE CODED INTO FINANCIAL SOFTWARE THAT PREVENTS A PERSON FROM PERFORMING TRANSACTION ON A RELATED ACCOUNT. FORM 990, PART VI, SECTION B, LINE 13: COMMUNITYAMERICA CREDIT UNION(CACU) DOES HAVE A WRITTEN WHISTLEBLOWER POLICY CONTAINED IN ITS EMPLOYEE HANDBOOK, HOWEVER, THE EMPLOYEE HANDBOOK HAS NOT BEEN VOTED ON BY THE GOVERNING BODY. THEREFORE, PER IRS INSTRUCTIONS THIS QUESTION CANNOT BE ANSWERED "YES" FORM 990, PART VI, SECTION B, LINE 15A: ANNUALLY, THE COMPENSATION COMMITTEE DETERMINES THE RECOMMENDED COMPENSATION FOR THE CEO. AN INDEPENDENT COMPENSATION CONSULTANT UTILIZES COMPARABILITY DATA TO DETERMINE THE CEO COMPENSATION PACKAGE TO ENSURE IT IS COMPETITIVE IN THE MARKET AND IN LINE WITH PERFORMANCE. THE COMMITTEE'S RECOMMENDATION IS THEN PRESENTED TO THE BOARD FOR THEIR APPROVAL. THE CEO DETERMINES THE COMPENSATION OF THE TOP MANAGEMENT OFFICIALS. FORM 990, PART VI, SECTION B, LINE 15B OFFICERS OTHER THAN EMT ARE GENERALLY REVIEWED EVERY TWO YEARS. EMT COMPENSATION WAS REVIEWED IN FALL 2018 BY D HILTON FORM 990, PART VI, SECTION C, LINE 19: COMMUNITYAMERICA WILL CONSIDER MAKING ITS GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY AVAILABLE TO THE PUBLIC UPON WRITTEN REQUEST. FINANCIAL STATEMENTS ARE POSTED MONTHLY AT EACH BRANCH FOR PUBLIC REVIEW. THEY ARE ALSO AVAILABLE AT THE ANNUAL MEETING. FORM 990, PART XI, LINE 9 CHANGE IN ACCUMLATED OTHER COMPREHENSIVE INCOME $ 7,952,933 CURRENT YEAR CHANGES-NONCONTROLLING INTERST $ ( 564,179) CAPITAL CONTRIBUTION TO SUBSIDIARY $ 7,200,000 OTHER CHANGES TO NONCONTROLLING INTEREST $ ( 712,019) ------------- $ 13,876,735 FORM 990, PART XII, LINE 2C THE ORGANIZATION HAS A COMMITTEE THAT ASSUMES RESPONSIBLITY FOR OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND THE SELECTION OF AN INDEPENDENT ACCOUNTANT. NEITHER THE OVERSIGHT PROCESS NOR THE SELECTION CHANGED DUIRNG THE TAX YEAR. COMMUNITYAMERICA CUSO ONE LLC 9777 RIDGE DRIVE LENEXA KS 66219 431925982 HOLDING CO MO -3511114 25901700 CACU COMMUNITYAMERICA FINANCIAL SOLUTIONS 9777 RIDGE DRIVE LENEXA KS 66219 260046643 SECURITIES MO -2193146 2234317 CA CUSO ONE CASE LLC 9777 RDIGE DRIVE LENEXA KS 66219 HOLDING CO MO 0 0 CACU COMMUNITYAMERICA INSURANCE AGENCY 9777 RIDGE DRIVE LENEXA KS 66219 INSURANCE MO -219549 192193 CA CUSO ONE COMMUNITYAMERICA FOUNDATION 9777 RIDGE DRIVE LENEXA KS 66219 820725136 SUPPORT KS 501(C)(3) PF CACU true TRUHOME SOLUTIONS LLC 9601 LEGLER ROAD LENEXA KS 66219 760762186 MORTGAGE SERVICE MO CUSO ONE LLC RELATED -1091762 39398208 false 0 true 0.65930 true true false true false false false false false true false false true true true true false false true COMMUNITYAMERICA CUSO ONE LLC A 10822 FMV TRUHOME SOLUTIONS LLC A 234316 FMV TRUHOME SOLUTIONS LLC D 5049939 FMV TRUHOME SOLUTIONS LLC M 154145 FMV TRUHOME SOLUTIONS LLC P 3359715 FMV