2021-10-22T09:19:00-05:00 2020-12-31 BKD LLP 1201 Walnut Suite 1700 Kansas City MO 641062246 990 2020-01-01 446015072 COMMUNITYAMERICA CREDIT UNION % TIMOTHY SARACINI COMM 9139057000 9777 RIDGE DRIVE LENEXA KS 66219 AMY DOLL SVP, ACCOUNTING & FI 9139057000 2021-11-15 true Amy Doll XXX-XX-XXXX April Arnold CPA P01559426 8162216300 2021-11-15 3 2020 2022-09-23 18:48:47Z AMY DOLL 9777 RIDGE DRIVE LENEXA KS 66219 319882580 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 10 852 13 5545102 3826219 0 0 166212898 191940512 25162938 36124990 63000 0 191438836 228065502 1145077 1290781 0 0 60238713 61059136 0 0 0 104800923 120951867 166184713 183301784 25254123 44763718 2942812522 3789961964 2577401734 3381641196 365410788 408320768 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 259,000 MEMBERS, INCLUDING MORE THAN 111,000 LOANS OUTSTANDING AT 12.31.20, MORE THAN 36,000 LOANS GRANTED FY 2020, COMPETITIVE RATES OFFERED TO MEMBERS, AND 572,000 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 97814 0 true 852 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 X LISA R GINTER CHIEF EXECUTIVE OFFICER 40.0 0.0 X 3360055 0 1036917 TIMOTHY R SARACINI CHIEF FINANCIAL OFFICER 40.0 0.0 X 648936 0 1173827 MICHAEL P HAGGERTY PRESIDENT/COO-CUSO ONE 40.0 0.0 X 619052 0 370714 EDWIN L RAFFERTY MORTGAGE CONSULTANT 40.0 0.0 X 924619 0 44753 PAMELA R BERNEKING CHIEF OPERATIONS OFFICER 40.0 0.0 X 930998 0 26418 RICHARD R SCHIER CHIEF MEMBER OFFICER 40.0 0.0 X 412141 0 312220 ANITA B NEWTON CHIEF INNOVATION OFFICER CUSO 40.0 0.0 X 406768 0 240551 JOAN COHEN CHIEF ADMINISTRATIVE OFFICER 40.0 0.0 X 629638 0 14838 JASON D KEPLER MORTGAGE CONSULTANT 40.0 0.0 X 565516 0 47977 TIMOTHY R MCGRATH MORTGAGE CONSULTANT 40.0 0.0 X 503124 0 46761 JUSTIN R STEITZ COO/CCO- CAFS 40.0 0.0 X 356997 0 179445 COLBY HIGGINS MORTGAGE ADVISOR- OUTBOUND SAL 40.0 0.0 X 425251 0 31796 HEATH T BURCH DIRECTOR- WEALTH MANAGEMENT 40.0 0.0 X 334914 0 46771 ELIZABETH T LEWIS SVP COMMERCIAL BANKING 40.0 0.0 X 325339 0 46594 JULIA SCHALLER SVP HUMAN RESOURCES 40.0 0.0 X 298186 0 42659 MICHAEL H GARRETT VP TREASURER 40.0 0.0 X 280316 0 45071 KARL J GEISLER SVP DIGITAL STRATEGY & SYSTEMS 40.0 0.0 X 242668 0 38179 AMY R GROTHAUS SVP MEMBER EXPERIENCE 40.0 0.0 X 217371 0 41943 AMY I DOLL SVP ACCOUNTING & FINANCE SVCS 40.0 0.0 X 208424 0 43966 LINDA K BORING VP MEMBER OPERATIONS 40.0 0.0 X 209126 0 38633 DEBRA D SWEARINGEN VP COMMERCIAL BANKING 40.0 0.0 X 216406 0 26273 JOHN A WATTS VP CORP PROPERTIES & ASSISTANT 40.0 0.0 X 193738 0 46167 BRIAN W LUGER VP LENDING 40.0 0.0 X 194097 0 43212 RAVI PERUMPARAMBIL CHIEF INFORMATION OFFICER 40.0 0.0 X 327903 0 -105811 KENNETH F TORGLER VP COMMERCIAL CREDIT OFFICER 40.0 0.0 X 184794 0 33508 MATTHEW C JOHNSON VP CHIEF OF STAFF 40.0 0.0 X 176744 0 36071 GARY B HENRY VP MEMBER SERVICE CENTERS 40.0 0.0 X 163225 0 34334 RANDALL L BENTELE VP CORE & CORPORATE DELIVERY 40.0 0.0 X 166745 0 20722 SCOTT H STRICKLAND PRESIDENT INSURANCE SERVICES 40.0 0.0 X 155080 0 30384 ALYSSA N AKERS VP RISK & BUSINESS ADMINISTRAT 40.0 0.0 X 163929 0 19313 WHITNEY A BARTELLI CHIEF MARKETING & STRATEGY OFF 40.0 0.0 X 68534 0 9513 MELANIE COLEMAN DIRECTOR 1.0 0.0 X 0 0 0 KERRY DOMKE VICE CHAIRMAN 1.0 0.0 X 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 DEAN NEWTON CHAIRMAN 1.0 0.0 X X 0 0 0 DAVID SHEPARD SECRETARY/TREASURER 1.0 0.0 X 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 13016377 0 3913382 131 false true false TEKSYSTEMS GLOBAL SERVICES LLC PO BOX 402042 ATLANTA GA 30384 TECHNOLOGY SUPPORT 354680 MODIS INC 10151 DEERWOOD PARK BLVD JACKSONVILLE FL 32256 ADMIN SUPPORT 114705 2 0 Interest on Loans 522200 103108526 103108526 Service Fees 522100 57579401 56878916 700485 Other Operating Income 900099 2997195 2997195 Interest on Investments 525990 15014914 15014914 All other program service revenue 525990 13240476 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200 ST LOUIS MO 63146 431310069 20000 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 14799168 14799168 53027300 23078499 29948801 4452306 3175080 1277226 35427692 24657156 10770536 7244804 3984400 3260404 60056135 0 Other Liabilities 29738190 Special Dividends to Members 8400000 DEFERRED COMPENSATION LIABILITY 10495317 48633507 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 208 S LaSalle Street Suite 1500 Chicago IL 60604 135613797 501(C)(3) 35000 GENERAL SUPPORT CHILDREN'S MERCY HOSPITAL 2401 GILLHAM ROAD KANSAS CITY MO 64108 440605373 501(C)(3) 47385 GENERAL SUPPORT JUVENILE DIABETES RESEARCH FOUNDATION 215 W Pershing Road Kansas City MO 64108 231907729 501(C)(3) 10000 GENERAL SUPPORT ROCKHURST UNIVERSITY 1100 ROCKHURST ROAD KANSAS CITY MO 64110 440545813 501(C)(3) 35000 GENERAL SUPPORT TRUMAN HEARTLAND COMMUNITY FOUNDATION 4200 LITTLE BLUE PARKWAY STE 340 INDEPENDENCE MO 64057 431482136 501(C)(3) 15000 GENERAL SUPPORT COMMUNITYAMERICA FOUNDATION 9777 RIDGE DRIVE LENEXA KS 66219 820725136 501(C)(3) 450000 COMMUNITY SUPPORT 15 AND THE MAHOMIES FOUNDATION 1701 DIRECTORS BLVD AUSTIN TX 78744 834134118 501(C)(3) 85000 GENERAL SUPPORT UNITED WAY OF GREATER KANSAS CITY PO BOX 871400 KANSAS CITY MO 64187 440545812 501(C)(3) 50000 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 ROAD ST LOUIS MO 63146 431896922 501(C)(3) 20000 GENERAL SUPPORT CITY YEAR 415 Delaware Street Kansas City MO 64105 222882549 501(C)(3) 10000 GENERAL SUPPORT ADVENT HEALTH FOUNDATION 7315 Frontage Road Suite 221 Shawnee Mission KS 66204 480868859 501(C)(3) 6200 GENERAL SUPPORT BIG BROTHER BIG SISTER OF GREATER KC 1709 Walnut St Kansas City MO 64108 436068464 501(C)(3) 6500 GENERAL SUPPORT CATHOLIC CHARITIES OF KC - ST JOSEPH 4001 Blue Parkway Suite 250 Kansas City MO 64130 430887779 501(C)(3) 10000 GENERAL SUPPORT COMMUNITY SERVICES LEAGUE 404 North Noland Road Independence MO 64050 430976396 501(C)(3) 17500 GENERAL SUPPORT HARRY S TRUMAN LIBRARY INSTITUTE 5151 Troost Ave Suite 300 Kansas City MO 64110 436042632 501(C)(3) 5750 GENERAL SUPPORT HILLCREST TRANSITIONAL HOUSING 2050 Plumbers Way 180 Liberty MO 64068 203093292 501(C)(3) 7500 GENERAL SUPPORT JEWISH FAMILY SERVICES OF GREATER KC 5801 W 115th St Suite 103 Overland Park KS 66211 440545829 501(C)(3) 10000 GENERAL SUPPORT JUNIOR ACHIEVEMENT OF GREATER KC 4001 Blue Parkway Suite 250 Kansas City MO 64130 440604809 501(C)(3) 50000 GENERAL SUPPORT KC FOOTBALL AND CHEERLEADING 15030 W 106th Street Lenexa KS 66215 481016243 501(C)(3) 7500 GENERAL SUPPORT KCPT-KC PUBLIC TELEVISION 125 East 31st Street Kansas City MO 64108 237114952 501(C)(3) 30000 GENERAL SUPPORT LEUKEMIA & LYMPHOMA SOCIETY 6811 Shawnee Mission Parkway 202 Mission KS 66202 135644916 501(C)(3) 10000 GENERAL SUPPORT OPERATION BREAKTHROUGH INC 3039 Troost Avenue Kansas City MO 64109 430971560 501(C)(3) 7500 GENERAL SUPPORT ROSE BROOKS CENTER PO Box 320599 Kansas City MO 64132 510231573 501(C)(3) 35000 GENERAL SUPPORT STARLIGHT THEATRE ASSOCIATION 4600 Starlight Road Kansas City MO 64132 440552079 501(C)(3) 10000 GENERAL SUPPORT THE METROPOLITAN COMMUNITY COLLEGE 3200 Broadway Kansas City MO 64111 510181875 501(C)(3) 25000 GENERAL SUPPORT VETERANS COMMUNITY PROJECT 8900 Troost Ave Kansas City MO 64131 474960735 501(C)(3) 25000 GENERAL SUPPORT BOYS AND GIRLS CLUB 4001 Blue Parkway Kansas City MO 64130 436072065 501(C)(3) 100000 GENERAL SUPPORT 29 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 739198 0 433013 0 2187844 0 1012180 0 24737 0 4396972 0 2000000 0 MICHAEL P HAGGERTY PRESIDENT/COO-CUSO ONE 395684 0 221503 0 1865 0 340523 0 30191 0 989766 0 0 0 TIMOTHY R SARACINI CHIEF FINANCIAL OFFICER 383495 0 207503 0 57938 0 1142778 0 31049 0 1822763 0 0 0 PAMELA R BERNEKING CHIEF OPERATIONS OFFICER 106993 0 168075 0 655930 0 16500 0 9918 0 957416 0 0 0 RICHARD R SCHIER CHIEF MEMBER OFFICER 260725 0 143490 0 7926 0 283986 0 28234 0 724361 0 0 0 RAVI PERUMPARAMBIL CHIEF INFORMATION OFFICER 284237 0 41370 0 2296 0 -135671 0 29860 0 222092 0 0 0 JUSTIN R STEITZ COO/CCO- CAFS 250974 0 104432 0 1591 0 136858 0 42587 0 536442 0 0 0 JOAN COHEN CHIEF ADMINISTRATIVE OFFICER 133520 0 168075 0 328043 0 8943 0 5895 0 644476 0 0 0 EDWIN L RAFFERTY MORTGAGE CONSULTANT -9566 0 934031 0 154 0 22100 0 22653 0 969372 0 0 0 TIMOTHY R MCGRATH MORTGAGE CONSULTANT -8659 0 511629 0 154 0 21535 0 25226 0 549885 0 0 0 HEATH T BURCH DIRECTOR- WEALTH MANAGEMENT 243101 0 90218 0 1595 0 22100 0 24671 0 381685 0 0 0 JASON D KEPLER MORTGAGE CONSULTANT -8807 0 574169 0 154 0 22100 0 25877 0 613493 0 0 0 COLBY HIGGINS MORTGAGE ADVISOR- OUTBOUND SAL 48849 0 376248 0 154 0 21324 0 10472 0 457047 0 0 0 ANITA B NEWTON CHIEF INNOVATION OFFICER CUSO 281989 0 122483 0 2296 0 217459 0 23092 0 647319 0 0 0 ELIZABETH T LEWIS SVP COMMERCIAL BANKING 228955 0 94570 0 1814 0 21720 0 24874 0 371933 0 0 0 JULIA SCHALLER SVP HUMAN RESOURCES 205903 0 90170 0 2113 0 14651 0 28008 0 340845 0 0 0 KARL J GEISLER SVP DIGITAL STRATEGY & SYSTEMS 230553 0 10603 0 1512 0 14651 0 23528 0 280847 0 0 0 AMY R GROTHAUS SVP MEMBER EXPERIENCE 167169 0 44058 0 6144 0 17066 0 24877 0 259314 0 0 0 DEBRA D SWEARINGEN VP COMMERCIAL BANKING 168241 0 46313 0 1852 0 17094 0 9179 0 242679 0 0 0 LINDA K BORING VP MEMBER OPERATIONS 159357 0 46492 0 3277 0 16803 0 21830 0 247759 0 0 0 AMY I DOLL SVP ACCOUNTING & FINANCE SVCS 160400 0 46450 0 1574 0 17058 0 26908 0 252390 0 0 0 MICHAEL H GARRETT VP TREASURER 214141 0 46929 0 19246 0 15343 0 29728 0 325387 0 0 0 BRIAN W LUGER VP LENDING 148868 0 42793 0 2436 0 15946 0 27266 0 237309 0 0 0 JOHN A WATTS VP CORP PROPERTIES & ASSISTANT 147991 0 44207 0 1540 0 16180 0 29987 0 239905 0 0 0 KENNETH F TORGLER VP COMMERCIAL CREDIT OFFICER 141990 0 41065 0 1739 0 15009 0 18499 0 218302 0 0 0 MATTHEW C JOHNSON VP CHIEF OF STAFF 138251 0 37155 0 1338 0 13564 0 22507 0 212815 0 0 0 RANDALL L BENTELE VP CORE & CORPORATE DELIVERY 71257 0 45300 0 50188 0 6144 0 14578 0 187467 0 0 0 ALYSSA N AKERS VP RISK & BUSINESS ADMINISTRAT 150271 0 12295 0 1363 0 7383 0 11930 0 183242 0 0 0 GARY B HENRY VP MEMBER SERVICE CENTERS 137900 0 23620 0 1705 0 12201 0 22133 0 197559 0 0 0 SCOTT H STRICKLAND PRESIDENT INSURANCE SERVICES 118810 0 34190 0 2080 0 11912 0 18472 0 185464 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, LINE 4A-B 4A: THE FOLLOWING INDIVIDUALS RECEIVED A SEVERANCE PAYMENT OR A CHANGE OF CONTROL PAYMENT: PAMELA BERNEKING $ 636,484 JOAN COHEN $ 313,650 RANDY BENTELE $ 40,126 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 $ 990,080 TIM SARACINI $ 1,120,678 RAVI PERUMPARAMBIL $ (152,171) RICK SCHIER $ 261,886 MICHAEL HAGGARTY $ 318,423 JUSTIN STEITZ $ 136,858 ANITA NEWTON $ 201,422 LISA GINTER HAD A PAYOUT FROM THE SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN THAT IS INCLUDED IN COLUMNS B(III) AND COLUMN F OF SCHEDULE J PART II. LINDA BORING OFFICER PERSONAL X 200000 58296 false false true AMY DOLL OFFICER PERSONAL X 438610 433303 false false true MICHAEL GARRETT OFFICER PERSONAL X 515000 398378 false false true LISA GINTER OFFICER PERSONAL X 1251782 1129422 false false true AMY GROTHAUS OFFICER PERSONAL X 504960 471923 false false true MICHAEL HAGGERTY OFFICER PERSONAL X 20372 8192 false false true ELIZABETH LEWIS OFFICER PERSONAL X 16187 15275 false false true BRIAN LUGER OFFICER PERSONAL X 50000 40150 false false true MATTHEW JOHNSON OFFICER PERSONAL X 659457 523041 false false true RICHARD SCHIER OFFICER PERSONAL X 258250 236462 false false true DEB SWEARINGEN OFFICER PERSONAL X 412129 323505 false false true KARL GEISLER OFFICER PERSONAL X 221000 210514 false false true JOHN WATTS OFFICER PERSONAL X 208500 160085 false false true 4008546 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 INNOVAITON 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 $ 5,848,535 CURRENT YEAR CHANGES-NONCONTROLLING INTERST $ (4,365,133) OTHER CHANGES TO NONCONTROLLING INTEREST $ 382,628 ------------- $ 1,866,030 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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