2024-11-07T15:53:05+00:00 2023-12-31 440160260 Forvis Mazars LLP 1201 Walnut Suite 1700 Kansas City MO 641062246 990 2023-01-01 446015072 COMMUNITYAMERICA CREDIT UNION COMM 9139057000 9777 RIDGE DRIVE LENEXA KS 66219 AMY DOLL SVP- ACCOUNTING & FI 9139057000 2024-11-07 true true April Arnold P01559426 8162216300 2024-11-15 2023 2024-10-15 13:58:12Z AMY DOLL 9777 RIDGE DRIVE LENEXA KS 66219 546263100 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. 12 10 1034 15 -3837205 0 0 0 222332678 305406660 -2454706 14600721 0 0 219877972 320007381 1051519 716839 0 0 83219919 91263630 0 0 0 130190854 206812926 214462292 298793395 5415680 21213986 4688271234 4748448128 4298069726 4309068602 390201508 439379526 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 MORE THAN 315,000 MEMBERS, INCLUDING NEARLY $3.2 BILLION IN LOANS OUTSTANDING AT 12.31.23, MORE THAN 40,200 CONSUMER LOANS GRANTED FY 2023, AND COMPETITIVE RATES OFFERED TO MEMBERS. THE CREDIT UNION HAD NEARLY $4.0 BILLION IN DEPOSIT ACCOUNTS AT COMPETITIVE YIELDS AS OF DECEMBER 31, 2023. 0 false false 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 117180 0 true 1034 true true true false false false false false true false X 12 10 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 ALAN LOWDEN DIRECTOR 1.0 0.0 X 0 0 0 ALOK SRIVASTAVA DIRECTOR 1.0 0.0 X 0 0 0 AMY MCANARNEY DIRECTOR 1.0 0.0 X 0 0 0 BRI SIMONEAU DIRECTOR 1.0 0.0 X 0 0 0 DAVID SHEPARD DIRECTOR 1.0 0.0 X 0 0 0 DEAN NEWTON DIRECTOR 1.0 0.0 X 0 0 0 HAL BENTLEY DIRECTOR 1.0 0.0 X 0 0 0 JOE WILLIAMS DIRECTOR 1.0 0.0 X 0 0 0 JOSHUA JOHNSON DIRECTOR 1.0 0.0 X 0 0 0 KERRY DOMKE DIRECTOR 1.0 0.0 X 0 0 0 MELANIE COLEMAN DIRECTOR 1.0 0.0 X 0 0 0 RICHARD WETZEL DIRECTOR 1.0 0.0 X 0 0 0 TRENT SKAGGS DIRECTOR 1.0 0.0 X 0 0 0 ALYSSA N AKERS VP RISK & BUSINESS ADMINISTRATOR 40.0 0.0 X 231175 0 27994 AMY E RUSH GENERAL COUNSEL CUSO ONE 40.0 0.0 X 142416 0 13740 AMY I DOLL SVP ACCOUNTING & FINANCE SVCS 40.0 0.0 X 327122 0 51822 AMY T GROTHAUS SVP RETAIL BANKING 40.0 0.0 X 328270 0 22021 ANITA B NEWTON CHIEF INNOVATION OFFICER 40.0 0.0 X 533218 0 637702 CARRIE L O'CONNOR SVP CHIEF LENDING OFFICER 40.0 0.0 X 420302 0 54169 DAVID D HECK VP CONSUMER LENDING 40.0 0.0 X 164358 0 26799 ELIZABETH T LEWIS SVP CONSUMER & COMMERCIAL BANK 40.0 0.0 X 281905 0 34883 JAI B SHANKAR VP DATA, CRM & INTEGRATION 40.0 0.0 X 297084 0 52487 JOHN D JAMES VP COMPLIANCE 40.0 0.0 X 38075 0 8904 JULIA SCHALLER SVP HUMAN RESOURCES 40.0 0.0 X 425580 0 41955 JUSTIN R STEITZ PRESIDENT COPPER FINANCIAL 40.0 0.0 X 522497 0 464550 KARL J GEISLER SVP DIGITAL STRATEGY & SYSTEM 40.0 0.0 X 435345 0 54448 KATHRYN C ANASTASIO VP MARKETING 40.0 0.0 X 145608 0 12655 LINDA K BORING VP MEMBER OPERATIONS 40.0 0.0 X 236466 0 48826 LISA R GINTER CHIEF EXECUTIVE OFFICER 40.0 0.0 X 1701999 0 6340778 LORI TOP CHIEF OF STAFF 40.0 0.0 X 290836 0 18998 MICHAEL H GARRETT VP TREASURER 40.0 0.0 X 341312 0 57669 MICHAEL P HAGGERTY CHIEF OPERATING OFFICER/PRESIDENT CUSO 40.0 0.0 X 848569 0 711604 NICHOLAS E REITZLER VP COMMERCIAL CREDIT OFFICER 40.0 0.0 X 258903 0 46184 RAVI PERUMPARAMBIL CHIEF INFORMATION OFFICER 40.0 0.0 X 643425 0 1080108 RICHARD R SCHIER CHIEF MEMBER OFFICER 40.0 0.0 X 561595 0 574994 SCOTT H STRICKLAND PRESIDENT INSURANCE SERVICES 40.0 0.0 X 190330 0 28667 SUSAN R JOHNSON SVP MARKETING 40.0 0.0 X 171900 0 17270 TERRY A HARLOW VP ENTERPRISE RISK MANAGEMENT 40.0 0.0 X 34695 0 3542 TIMOTHY R SARACINI CHIEF FINANCIAL OFFICER 40.0 0.0 X 871610 0 2360113 WALTER W PIRNOT VP GENERAL COUNSEL 40.0 0.0 X 400940 0 53158 WHITNEY A BARTELLI CHIEF MARKETING & STRATEGY OFFICER 40.0 0.0 X 542426 0 485764 EDWIN L RAFFERTY SENIOR MORTGAGE CONSULTANT 40.0 0.0 X 482668 0 54900 HEATH T BURCH PRIVATE WEALTH ADVISOR 40.0 0.0 X 474158 0 53291 JASON D KEPLER SENIOR MORTGAGE CONSULTANT 40.0 0.0 X 418092 0 60981 JEFFREY S VINEYARD PRIVATE WEALTH ADVISOR 40.0 0.0 X 644288 0 58645 RANCE J CARLSON PRIVATE WEALTH ADVISOR 40.0 0.0 X 645861 0 57353 14053028 0 13616974 176 false true false H&R BLOCK MANAGEMENT LLC ONE HR BLOCK WAY KANSAS CITY MO 64105 TECHNOLOGY SUPPORT 1582027 TEKSYSTEMS GLOBAL SERVICES LLC 7437 RACE ROAD HANOVER MD 21076 TECHNOLOGY SUPPORT 320864 FOGHORN CONSULTING 5030 RIVERSIDE DR SUITE 250 IRVING TX 75039 TECHNOLOGY SUPPORT 255460 TECHNOLOGY SOLUTION CONSULTANTS LLC 2600 STRATFORD CHASE CIRCLE COLUMBIA MO 65201 TECHNOLOGY SUPPORT 141030 4 0 INTEREST ON LOANS 522200 171114305 171114305 SERVICE FEES 522100 87440496 86681045 759451 OTHER OPERATING INCOME 900099 4900335 4900335 INTEREST ON INVESTMENTS 525990 41004679 41004679 ALL OTHER PROGRAM SERVICE REVENUE 525990 946845 5543501 -4596656 0 0 0 0 305406660 0 0 240856440 226255719 14600721 0 14600721 14600721 0 0 0 0 0 320007381 323844586 -3837205 0 716839 0 0 0 24719765 0 53075086 4266972 4037195 5164612 90051 894732 343864 0 0 2700 21983189 17350902 9505902 16007438 0 5871292 1465847 0 1222706 88017086 0 6780516 689867 PROVISION FOR LOAN LOSS 16499879 MISCELLANEOUS OPERATION 9987334 LOAN SERVICING 8881111 DUES AND SUBSCRIPTIONS 1218510 0 298793395 79575141 91216836 40302753 157780968 55990 163346 3408799 5251504 0 0 2924615463 3195315658 7527111 6745039 138465455 71700853 65788940 66764602 1413279026 1081075465 62790129 46554408 0 37500 37500 90890382 97542802 4688271234 4748448128 13665349 13448858 4097730 3166643 4099791000 3953256928 0 0 110000000 250000000 70515647 89196173 4298069726 4309068602 X 390201508 439379526 390201508 439379526 4688271234 4748448128 X 21213986 -11279 27975311 X false true X true false false true X 17117653 17117653 62876150 29179856 33696294 3459127 2676300 782827 52547547 39844697 12702850 2464978 0 2464978 66764602 OTHER LIABILITIES 49439512 SPECIAL DIVIDENDS TO MEMBERS 9600000 DEFERRED COMPENSATION 23331839 ROU LEASE LIABILITY 6824822 89196173 X Schedule D, Part IV, Line 2b Explanation of escrow agreement 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 FIN 48 (ASC 740) footnote 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. AS OF DECEMBER 31, 2023, THE CREDIT UNION DOES NOT HAVE ANY MATERIAL UNCERTAIN TAX POSITIONS. true 15 and the Mahomies 1701 Directors Blvd Suite 370 Austin TX 78744 834134118 501(c)(3) 55057 GENERAL SUPPORT Children's Mercy Hospital 2401 Gillham Road Kansas City MO 64108 440605373 501(c)(3) 50000 GENERAL SUPPORT Guadalupe Centers Inc 1015 Avenida Cesar E Chavez Kansas City MO 64108 440610781 501(c)(3) 50000 GENERAL SUPPORT Big League Impact PO Box 1620 Tempe Tempe AZ 852801620 463318819 501(c)(3) 50000 GENERAL SUPPORT Truman Medical University Health Foundation 2310 Holmes Street Suite 735 Kansas City MO 64108 431194064 501(c)(3) 50000 GENERAL SUPPORT Junior Achievement of Grater Kansas City 2842 W 47th Ave Kansas City KS 66103 440604809 501(c)(3) 50000 GENERAL SUPPORT The University of Kansas Hospital 4000 Cambridge Street Kansas City KS 66160 481202402 501(c)(3) 45000 GENERAL SUPPORT Starlight Theatre Association of KC 4600 Starlight Road Kansas City MO 64132 440552079 501(c)(3) 35000 GENERAL SUPPORT Rockhurst University 1100 Rockhurst Road Kansas City MO 64110 440545813 501(c)(3) 35000 GENERAL SUPPORT Big Brothers Big Sisters Kansas City 1709 Walnut Street Kansas City MO 64108 436068464 501(c)(3) 25000 GENERAL SUPPORT Operation Breakthrough 3039 Troost Ave Kansas City MO 64109 430971560 501(c)(3) 16000 GENERAL SUPPORT Cornerstone of Care 8150 Wornall Rd Kansas City MO 64114 431689138 501(c)(3) 15725 GENERAL SUPPORT Juvenile Diabetes Research Foundation 26 Broadway - 14th Floor New York NY 10004 231907729 501(c)(3) 15000 GENERAL SUPPORT Seven Days Inc 8500 Shawnee Mission Pkwy L26 Merriam KS 66202 472237780 501(c)(3) 15000 GENERAL SUPPORT Systems of Care Initiative Inc PO Box 126 Tecumseh KS 66542 831996707 501(c)(3) 12500 GENERAL SUPPORT Awesome Ambitions 12116 McGee Street Kansas City MO 64145 263102138 501(c)(3) 10000 GENERAL SUPPORT The Metropolitan Community College Foundation 3200 Broadway Kansas City MO 64111 510181875 501(c)(3) 10000 GENERAL SUPPORT Ronald McDonald House 2502 Cherry Street Kansas City MO 64108 431190760 501(c)(3) 10000 GENERAL SUPPORT Kansas City Metro Crime Commission 3100 Broadway Suite 1234 Kansas City MO 64111 440540176 501(c)(3) 10000 GENERAL SUPPORT St Michael The Archangel Catholic High School 2901 NW Lees Summit Road Lees Summit MO 64064 462522212 501(c)(3) 10000 GENERAL SUPPORT Cristo Rey 211 W Linwood Boulevard Kansas City MO 64111 202842522 501(c)(3) 10000 GENERAL SUPPORT Ewing Marlon Kauffman Foundation 4801 Rockhill Rd Kansas City MO 64110 436064859 501(c)(3) 10000 GENERAL SUPPORT The Jewish Community Relations Bureau 5801 W 115th St Suite 203 Overland Park KS 66211 834088310 501(c)(3) 10000 GENERAL SUPPORT Harvester's The Community Food Network 3701 Topping Avenue Kansas City MO 64129 431208665 501(c)(3) 10000 GENERAL SUPPORT National Credit Union Foundation 5710 Mineral Point Road Madison WI 53705 391383650 501(c)(3) 10000 GENERAL SUPPORT COMMUNITYAMERICA FOUNDATION 9777 RIDGE DRIVE LENEXA KS 66219 820725136 501(c)(3) 10000 COMMUNITY SUPPORT Madam President Camp Inc 1020 Huntington Rd Kansas City MO 64113 473456143 501(c)(3) 7500 GENERAL SUPPORT Eighty-Seven and Running 19885 Detroit Rd Ste 115 Rocky River OH 44116 474569777 501(c)(3) 5057 GENERAL SUPPORT 28 0 Schedule I, Part I, Line 2 Procedures for monitoring use of grant funds. 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 true true X X X X false true false LISA R GINTER CHIEF EXECUTIVE OFFICER 934652 0 738150 0 29197 0 6313135 0 27643 0 8042777 0 0 0 TIMOTHY R SARACINI CHIEF FINANCIAL OFFICER 531818 0 327827 0 11965 0 2327369 0 32744 0 3231723 0 0 0 RAVI PERUMPARAMBIL CHIEF INFORMATION OFFICER 395743 0 237242 0 10440 0 1049461 0 30647 0 1723533 0 0 0 MICHAEL P HAGGERTY CHIEF OPERATING OFFICER/PRESIDENT CUSO 521256 0 314724 0 12589 0 685899 0 25705 0 1560173 0 0 0 ANITA B NEWTON CHIEF INNOVATION OFFICER 341648 0 181786 0 9784 0 609296 0 28406 0 1170920 0 0 0 RICHARD R SCHIER CHIEF MEMBER OFFICER 332818 0 209747 0 19030 0 540892 0 34102 0 1136589 0 0 0 WHITNEY A BARTELLI CHIEF MARKETING & STRATEGY OFFICER 334778 0 195396 0 12252 0 457424 0 28340 0 1028190 0 0 0 JUSTIN R STEITZ PRESIDENT COPPER FINANCIAL 352045 0 167394 0 3058 0 430915 0 33635 0 987047 0 0 0 KARL J GEISLER SVP DIGITAL STRATEGY & SYSTEM 279824 0 147289 0 8232 0 27425 0 27023 0 489793 0 0 0 CARRIE L O'CONNOR SVP CHIEF LENDING OFFICER 280199 0 137136 0 2967 0 27425 0 26744 0 474471 0 0 0 JULIA SCHALLER SVP HUMAN RESOURCES 271567 0 143301 0 10712 0 24956 0 16999 0 467535 0 0 0 WALTER W PIRNOT VP GENERAL COUNSEL 286303 0 109790 0 4847 0 25654 0 27504 0 454098 0 0 0 MICHAEL H GARRETT VP TREASURER 245948 0 92062 0 3302 0 23925 0 33744 0 398981 0 0 0 AMY I DOLL SVP ACCOUNTING & FINANCE SVCS 208124 0 109696 0 9302 0 21680 0 30142 0 378944 0 0 0 AMY T GROTHAUS SVP RETAIL BANKING 210189 0 105750 0 12331 0 19723 0 2298 0 350291 0 0 0 JAI B SHANKAR VP DATA, CRM & INTEGRATION 235152 0 57652 0 4280 0 22161 0 30326 0 349571 0 0 0 ELIZABETH T LEWIS SVP CONSUMER & COMMERCIAL BANK 118792 0 151088 0 12025 0 23503 0 11380 0 316788 0 0 0 LORI TOP CHIEF OF STAFF 45596 0 124275 0 120965 0 14649 0 4349 0 309834 0 0 0 NICHOLAS E REITZLER VP COMMERCIAL CREDIT OFFICER 220801 0 35383 0 2719 0 19286 0 26898 0 305087 0 0 0 LINDA K BORING VP MEMBER OPERATIONS 183082 0 48739 0 4645 0 20382 0 28444 0 285292 0 0 0 ALYSSA N AKERS VP RISK & BUSINESS ADMINISTRATOR 181049 0 47521 0 2605 0 14349 0 13645 0 259169 0 0 0 SCOTT H STRICKLAND PRESIDENT INSURANCE SERVICES 148461 0 37772 0 4097 0 15876 0 12791 0 218997 0 0 0 DAVID D HECK VP CONSUMER LENDING 149536 0 13075 0 1747 0 9231 0 17568 0 191157 0 0 0 SUSAN R JOHNSON SVP MARKETING 158351 0 11075 0 2474 0 9531 0 7739 0 189170 0 0 0 KATHRYN C ANASTASIO VP MARKETING 99807 0 39871 0 5930 0 12107 0 548 0 158263 0 0 0 AMY E RUSH GENERAL COUNSEL CUSO ONE 29470 0 51638 0 61308 0 10704 0 3036 0 156156 0 0 0 RANCE J CARLSON PRIVATE WEALTH ADVISOR 182376 0 461406 0 2079 0 25925 0 31428 0 703214 0 0 0 JEFFREY S VINEYARD PRIVATE WEALTH ADVISOR 181133 0 461408 0 1747 0 25925 0 32720 0 702933 0 0 0 EDWIN L RAFFERTY SENIOR MORTGAGE CONSULTANT -11770 0 488609 0 5829 0 27425 0 27475 0 537568 0 0 0 HEATH T BURCH PRIVATE WEALTH ADVISOR 307203 0 164598 0 2357 0 25925 0 27366 0 527449 0 0 0 JASON D KEPLER SENIOR MORTGAGE CONSULTANT -12881 0 428815 0 2158 0 27425 0 33556 0 479073 0 0 0 Schedule J, Part I, Line 1a First-class or charter travel Chartered aircraft travel is primarily limited to the CEO for business purposes. The organization does not include this in taxable income. Schedule J, Part I, Line 1a Travel for companions Spouses and/or significant others of Board Members travel with the Board to certain events. The expenses of those trips are treated as taxable compensation via 1099-NEC. Schedule J, Part I, Line 4b Supplemental nonqualified retirement plan CERTAIN OFFICERS PARTICIPATED IN A SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN, AMOUNTS PAID, IF ANY, ARE INCLUDED IN COLUMN (C) OF SCHEDULE J, PART II: WHITNEY BARTELLI - $429,999 LISA GINTER - $6,285,710 MICHAEL HAGGERTY - $658,474 ANITA NEWTON - $589,400 RAVI PERUMPARAMBIL - $1,023,536 TIMOTHY SARACINI - $2,299,944 RICHARD SCHIER - $513,467 JUSTIN STEITZ - $407,561 LINDA BORING OFFICER PERSONAL X 200000 19723 false false true AMY DOLL OFFICER PERSONAL X 504828 441535 false false true MICHAEL GARRETT OFFICER PERSONAL X 517720 367828 false false true LISA GINTER OFFICER PERSONAL X 1178836 960830 false false true RICHARD SCHIER OFFICER PERSONAL X 252080 188764 false false true KARL GEISLER OFFICER PERSONAL X 221000 171160 false false true CARRIE O'CONNOR OFFICER PERSONAL X 495000 466960 false false true AMY GROTHAUS OFFICER PERSONAL X 500500 409828 false false true MICHAEL HAGGERTY OFFICER PERSONAL X 859805 874070 false false true WHITNEY BARTELLI OFFICER PERSONAL X 1112000 1085101 false false true SUSAN JOHNSON OFFICER PERSONAL X 52041 35716 false false true HAROLD BENTLEY DIRECTOR PERSONAL X 200000 156476 false false true JOSHUA JOHNSON DIRECTOR PERSONAL X 102712 73513 false false true 5251504 Form 990, Part VI, Line 13 WHISTLEBLOWER POLICY COMMUNITYAMERICA CREDIT UNION (CACU) HAS A WRITTEN WHISTLEBLOWER STATEMENT INCLUDED 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, Line 2 FAMILY/BUSINESS RELATIONSHIPS AMONGST INTERESTED PERSONS LISA GINTER'S (CEO) BROTHER, MIKE HAGGERTY IS PRESIDENT/COO OF CUSO ONE. DEAN NEWTON'S (BOARD CHAIR) WIFE ANITA NEWTON, CHIEF INNOVATION OFFICER OF CUSO ONE. Form 990, Part VI, Line 6 Classes of members or stockholders AS A COOPERATIVE, COMMUNITYAMERICA IS OWNED BY ITS MEMBERS. TO BE A MEMBER, YOU MUST MEET CERTAIN QUALIFICATIONS. MEMBERSHIP ENTITLES 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, Line 7a Members or stockholders electing members of governing body COMMUNITYAMERICA UTILIZES A NOMINATING COMMITTEE TO PROPROSE CANDIDATES FOR THE BOARD OF DIRECTORS. 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, Line 7b Decisions requiring approval by members or stockholders AN ACTUAL VOTE BY THE MEMBERSHIP IS REQUIRED TO CHANGE THE CREDIT UNION'S CHARTER OR CERTAIN BYLAWS. Form 990, Part VI, Line 11b Review of form 990 by governing body AN INDEPENDENT ACCOUNTING FIRM PREPARES AND REVIEWS THE 990. THE 990 IS THEN REVIEWED BY COMMUNITYAMERICA'S CONTROLLER AND SVP OF FINANCE AND ACCOUNTING 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, Line 12c Conflict of interest policy 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 TRANSACTIONS ON A RELATED ACCOUNT. Form 990, Part VI, Line 15a Process to establish compensation of top management official 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, Line 19 Required documents available to the public 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 Other changes in net assets or fund balances CHANGE IN ACCUMLATED OTHER COMPREHENSIVE INCOME - 24204450; CURRENT YEAR CHANGES-NONCONTROLLING INTERST - 3671615; CAPITAL CONTRIBUTION - COPPER FINANCIAL NETWORK, LLC - 1000000; CAPITAL CONTRIBUTION - COMMUNITYAMERICA CUSO ONE, LLC - 5000000; CECL ADJUSTMENT - -5900754; Form 990, Part XII, Line 2c FINANCIAL STATEMENT OVERSIGHT 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 DURING THE TAX YEAR. COMMUNITYAMERICA CUSO ONE LLC 9777 RIDGE DRIVE LENEXA KS 66219 431925982 HOLDING CO MO -11191726 24230210 CACU COPPER FINANCIAL NETWORK LLC 9777 RIDGE DRIVE LENEXA KS 66219 260046643 SECURITIES MO 12937910 2563008 CA CUSO ONE COMMUNITYAMERICA INSURANCE AGENGY 9777 RIDGE DRIVE LENEXA KS 66219 822394077 INSURANCE MO 1247845 629824 CA CUSO ONE CASE LLC 9777 RIDGE DRIVE LENEXA KS 66219 HOLDING CO MO 0 0 CACU 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 SERVICES MO CUSO ONE LLC Related -7450607 41743593 false -4598034 true 0.6594 false true false true false false false false false true false false true true true true false false false TRUHOME SOLUTIONS M 189181 FMV TRUHOME SOLUTIONS P 2438781 FMV