2023-10-11T13:44:03-05:00 2022-12-31 FORVIS LLP 1201 Walnut Suite 1700 KANSAS CITY MO 641062246 990 2022-01-01 446015072 COMMUNITYAMERICA CREDIT UNION % TIMOTHY SARACINI COMM 9139057000 9777 RIDGE DRIVE LENEXA KS 66219 AMY DOLL SVP- ACCOUNTING & FI 9139057000 2023-11-15 true Amy Doll XXX-XX-XXXX April Arnold P01559426 8162216300 2023-11-15 2 2022 2023-04-26 12:10:37Z AMY DOLL 9777 RIDGE DRIVE LENEXA KS 66219 265500077 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. 10 10 1028 13 -2273235 22240 0 0 193443732 222332678 39002760 -2454706 0 0 232446492 219877972 1316174 1051519 0 0 73694320 83219919 0 0 0 114305621 130190854 189316115 214462292 43130377 5415680 4409299980 4688271234 3971403102 4298069726 437896878 390201508 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 291,482 MEMBERS, INCLUDING MORE THAN 148,007 LOANS OUTSTANDING AT 12.31.22, MORE THAN 35,127 LOANS GRANTED FY 2022, COMPETITIVE RATES OFFERED TO MEMBERS, AND 683,439 DEPOSIT ACCOUNTS AT COMPETITIVE YIELDS. false 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 109547 0 true 1028 true true true false false false false false true false X 10 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 LISA R GINTER CHIEF EXECUTIVE OFFICER 40.0 0.0 X 1516725 0 2450848 TIMOTHY R SARACINI CHIEF FINANCIAL OFFICER 40.0 0.0 X 1798773 0 1428171 MICHAEL P HAGGERTY PRESIDENT/COO - 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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. AS OF DECEMBER 31, 2022, THE CREDIT UNION DOES NOT HAVE ANY MATERIAL UNCERTAIN TAX POSITIONS. true 15 AND THE MAHOMIES FOUNDATION 1701 DIRECTORS BLVD AUSTIN TX 78744 834134118 501(C)(3) 80000 GENERAL SUPPORT BIG BROTHER BIG SISTER OF GREATER KC 1709 WALNUT ST KANSAS CITY MO 64108 436068464 501(C)(3) 35000 GENERAL SUPPORT BOYS AND GIRLS CLUB 4001 BLUE PARKWAY KANSAS CITY MO 64108 436072065 501(C)(3) 25000 GENERAL SUPPORT CHILDREN'S MERCY HOSPITAL 2401 GILLHAM ROAD KANSAS CITY MO 64108 440605373 501(C)(3) 25000 GENERAL SUPPORT COMMUNITY SERVICES LEAGUE 404 NORTH NOLAND ROAD INDEPENDENCE MO 64050 430976396 501(C)(3) 10000 GENERAL SUPPORT CRISTO REY 211 W LINWOOD BOULEVARD KANSAS CITY MO 64111 202842522 501(C)(3) 14000 GENERAL SUPPORT HARVESTERS 3801 TOPPING AVENUE KANSAS CIY MO 64129 431208665 501(C)(3) 10000 GENERAL SUPPORT INCLUSION CONNECTIONS 15738 W 148TH TERRACE OLATHE KS 66062 462754831 501(C)(3) 10000 GENERAL SUPPORT OPERATION BREAKTHROUGH INC 3039 TROOST AVE KANSAS CITY MO 64109 430971560 501(C)(3) 15000 GENERAL SUPPORT STARLIGHT THEATRE ASSOCIATION 4600 STARLIGHT ROAD KANSAS CITY MO 64132 440552079 501(C)(3) 6000 GENERAL SUPPORT ST MICHAEL THE ARCHANGEL HIGH SCHOOL 2901 NW LEES SUMMIT ROAD LEES SUMMIT MO 64064 462522212 501(C)(3) 10000 GENERAL SUPPORT THE METROPOLITAN COMMUNITY COLLEGE 3200 BROADWAY KANSAS CITY MO 64111 510181875 501(C)(3) 10000 GENERAL SUPPORT WORLDWIDE FOUNDATION FOR CREDIT UNIONS 5710 MINERAL POINT ROAD MADISON WI 53705 396093210 501(C)(3) 10000 GENERAL SUPPORT COMMUNITYAMERICA FOUNDATION 9777 RIDGE DRIVE LENEXA KS 66219 820725136 501(C)(3) 451519 COMMUNITY SUPPORT THE UNIVERSITY OF KANSAS HEALTH SYSTEM 2330 Shawnee Mission Pkwy Suite 30 WESTWOOD KS 66205 481202402 501(c)(3) 200000 GENERAL SUPPORT KANSAS CITY METRO CRIME COMMISSION 3100 Broadway Suite 1234 KANSAS CITY MO 64111 440540176 501(c)(3) 10000 GENERAL SUPPORT CATHOLIC CHARITIES OF KC-STJOSEPH 4001 Blue Parkway Suite 250 KANSAS CITY MO 64130 430887779 501(c)(3) 10000 GENERAL SUPPORT TRUMAN HEARTLAND COMMUNITY FOUNDATION 4200 Little Blue Parkway Suite 340 INDEPENDENCE MO 64057 431482136 501(c)(3) 10000 GENERAL SUPPORT RONALD MCDONALD HOUSE 2502 Cherry Street KANSAS CITY MO 64108 431190760 501(c)(3) 10000 GENERAL SUPPORT K-STATE ALUMNI ASSOCIATION 100 Alumni Center 1720 Anderson Av MANHATTAN KS 66506 480495058 501(c)(3) 20000 GENERAL SUPPORT GUADALUPE CENTERS INC 1015 Avenida Cesar E Chavez KANSAS CITY MO 64108 440610781 501(c)(3) 25000 GENERAL SUPPORT AWESOME AMBITIONS 12116 McGee Street KANSAS CITY MO 64145 263102138 501(c)(3) 25000 GENERAL SUPPORT 22 0 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. 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THIS BENEFIT WAS TREATED AS TAXABLE COMPENSATION TO THE PERSON LISTED. SCHEDULE J, PART I, LINE 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 $ 2,398,113 TIM SARACINI $ 1,368,538 RAVI PERUMPARAMBIL $ 50,464 RICK SCHIER $ 546,974 MICHAEL HAGGERTY $ 649,360 JUSTIN STEITZ $ 289,206 ANITA NEWTON $ 404,146 WHITNEY BARTELLI $ 245,018 LINDA BORING OFFICER PERSONAL X 200000 32617 false false true AMY DOLL OFFICER PERSONAL X 504828 464582 false false true MICHAEL GARRETT OFFICER PERSONAL X 517720 402570 false false true LISA GINTER OFFICER PERSONAL X 1291782 1002635 false false true RICHARD SCHIER OFFICER PERSONAL X 382080 304015 false false true KARL GEISLER OFFICER PERSONAL X 221000 184613 false false true ELIZABETH LEWIS OFFICER PERSONAL X 140000 138973 false false true CARRIE O'CONNER OFFICER PERSONAL X 500000 482597 false false true AMY GROTHAUS OFFICER PERSONAL X 400000 396196 false false true 3408798 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 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, SECTION A, LINE 7A 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, 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 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, 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 TRANSACTIONS 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 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 $(59,080,482) CURRENT YEAR CHANGES-NONCONTROLLING INTERST $ 1,328,320 CAPITAL CONTRIBUTION - COPPER FINANCIAL NETWORK, LLC $ 500,000 CHANGE IN NET ASSETS DUE TO MERGER $ 229,837 ------------- $(57,022,325) 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. 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