2025-10-24T13:57:07+00:00 2024-12-31 440160260 Forvis Mazars LLP 1201 Walnut Street Suite 1700 Kansas City MO 641062246 990 2024-01-01 446015072 COMMUNITYAMERICA CREDIT UNION COMM 9139057000 9777 RIDGE DRIVE LENEXA KS 66219 AMY DOLL SVP- ACCOUNTING & FI 9139057000 2025-10-24 true April Arnold P01559426 8162216300 2025-10-24 2024 2025-03-06 01:10:19Z AMY DOLL 9777 RIDGE DRIVE LENEXA KS 66219 394087786 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 1205 12 -743078 0 0 0 305406660 373909460 14600721 20178326 0 0 320007381 394087786 716839 1061100 0 91263630 100877311 0 0 0 206812926 271058868 298793395 372997279 21213986 21090507 4748448128 5046888532 4309068602 4550245605 439379526 496642927 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 350,000 MEMBERS, INCLUDING MORE THAN $3.4 BILLION IN LOANS OUTSTANDING AT 12.31.24, MORE THAN 33,500 CONSUMER LOANS GRANTED FY 2024, AND COMPETITIVE RATES OFFERED TO MEMBERS. THE CREDIT UNION HAD MORE THAN $4.3 BILLION IN DEPOSIT ACCOUNTS AT COMPETITIVE YIELDS AS OF DECEMBER 31, 2024. 0 false 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 false false false false true false false false false false false false false true true true true false false true 127441 0 true 1205 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 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 Byron Clymer DIRECTOR 1.0 0.0 X 0 0 0 Daniel J White DIRECTOR 1.0 0.0 X 0 0 0 David Shepard DIRECTOR 1.0 0.0 X 0 0 0 Harold Bentley DIRECTOR 1.0 0.0 X 0 0 0 Joseph 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 8028 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 Administration 40.0 0.0 X 248254 0 24808 Amy I Doll SVP Accounting & Finance Services 40.0 0.0 X 350293 0 49298 Amy R Grothaus SVP Retail Banking 40.0 0.0 X 155043 0 12655 Anita B Newton Chief Innovation Officer 40.0 0.0 X 551124 0 715437 Carrie L O'Connor SVP Chief Lending Officer 40.0 0.0 X 559989 0 51246 David D Heck VP Consumer Lending 40.0 0.0 X 348412 0 52246 Heath T Burch VP Wealth Management 40.0 0.0 X 660114 0 51049 Jace K Noteboom VP Human Resources 40.0 0.0 X 165967 0 17388 Jai B Shankar VP Data, CRM & Integration 40.0 0.0 X 314775 0 49629 John D James VP Compliance 40.0 0.0 X 172261 0 42077 Julia Schaller Chief People Officer 40.0 0.0 X 439635 0 34930 Justin R Steitz President Copper Financial 40.0 0.0 X 942624 0 47440 Karen S Mitchell Vice President, Audit & Compliance 40.0 0.0 X 220060 0 28521 Karl J Geisler SVP Digital Strategy & Systems 40.0 0.0 X 454203 0 50783 Kathleen M O'Neill President St. Louis Market 40.0 0.0 X 132636 0 7402 Linda K Boring VP Member Operations 40.0 0.0 X 585084 0 28043 Lisa R Ginter Chief Executive Officer 40.0 0.0 X 1841688 0 5161646 Michael H Garrett VP Treasurer 40.0 0.0 X 328340 0 54087 Michael P Haggerty Chief Operating Officer/President CUSO 40.0 0.0 X 913535 0 1158583 Nicholas E Reitzler VP Commercial Banking 40.0 0.0 X 362399 0 47463 Ravi Perumparambil Chief Information Officer 40.0 0.0 X 1159970 0 359698 Richard R Schier Chief Member Officer 40.0 0.0 X 884739 0 511003 Scott H Strickland President Insurance Services 40.0 0.0 X 205798 0 26971 Susan R Johnson SVP Marketing 40.0 0.0 X 361985 0 31532 Terry A Harlow VP Enterprise Risk Management 40.0 0.0 X 242706 0 48412 Timothy R Saracini Chief Financial Officer 40.0 0.0 X 3000860 0 160989 Timothy S Huey Jr SVP Retail Banking 40.0 0.0 X 270308 0 25551 Walter W Pirnot General Counsel 40.0 0.0 X 377845 0 49057 Whitney A Bartelli Chief Marketing & Strategy Officer 40.0 0.0 X 618394 0 768210 Edwin L Rafferty Senior Mortgage Consultant 40.0 0.0 X 443705 0 51753 James P Alderman Senior Mortgage Consultant 40.0 0.0 X 817631 0 51924 Jason D Kepler Senior Mortgage Consultant 40.0 0.0 X 453085 0 58159 Jeffrey S Vineyard Private Wealth Advisor 40.0 0.0 X 657419 0 57122 Rance J Carlson Private Wealth Advisor 40.0 0.0 X 658620 0 51578 19899501 0 9944718 210 false true false H&R BLOCK MANAGEMENT LLC ONE HR BLOCK WAY KANSAS CITY MO 64105 TECHNOLOGY SUPPORT 2284635 MELINDA RAMIERZ-SETSER 2926 SW ARTHUR DRIVE LEES SUMMIT MD 64081 PROFESSIONAL SERVICES 145818 2 0 INTEREST ON LOANS 522200 210919263 210919263 SERVICE FEES 522100 91217659 90348113 869546 OTHER OPERATING INCOME 900099 4443812 4443812 INTEREST ON INVESTMENTS 525990 65564938 65564938 ALL OTHER PROGRAM SERVICE REVENUE 525990 1763788 3376412 -1612624 0 0 0 0 373909460 0 0 20178326 0 20178326 0 20178326 20178326 0 0 0 0 0 0 394087786 394830864 -743078 0 1061100 26543223 55271653 5997238 7640757 5424440 99037 997253 325088 2700 23392094 19583696 10415433 17849878 6498197 1296416 1196509 135454316 7038467 891997 PROVISION FOR LOAN LOSS 24397386 MISCELLANEOUS OPERATION 10669192 LOAN SERVICING 9855912 DUES AND SUBSCRIPTIONS 1095297 0 372997279 91216836 74263581 157780968 195988949 163346 171254 5251504 5182479 0 0 3195315658 3559052970 6745039 7753092 153463145 78739320 66764602 74723825 1081075465 969365216 46554408 52181339 0 37500 37500 97542802 108168327 4748448128 5046888532 13448858 14181472 3166643 2499964 3953256928 4269135942 0 0 250000000 150000000 89196173 114428227 4309068602 4550245605 X 439379526 496642927 439379526 496642927 4748448128 5046888532 X 21090507 2919052 33253842 X false true true false false true X 20601781 20601781 65939989 31664896 34275093 3459127 2776706 682421 57594144 44297718 13296426 5868104 0 5868104 74723825 Federal Income Taxes OTHER LIABILITIES 65601904 SPECIAL DIVIDENDS TO MEMBERS 9699991 DEFERRED COMPENSATION 29247203 ROU LEASE LIABILITY 9879129 114428227 X 0 0 0 0 0 0 0 0 0 0 0 0 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, 2024, 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) 75000 GENERAL SUPPORT Big League Impact PO Box 1620 Tempe Tempe AZ 852801620 463318819 501(c)(3) 50000 GENERAL SUPPORT Boys and Girls Club of Greater Kansas City 4001 Dr Martin Luther King Jr Blvd Kansas City MO 64130 436072065 501(c)(3) 25000 GENERAL SUPPORT Children's Mercy Hospital 2401 Gillham Road Kansas City MO 64108 440605373 501(c)(3) 200000 GENERAL SUPPORT City Year Inc 415 Delaware Dt Floor 3 Kansas City MO 64105 222882549 501(c)(3) 25000 GENERAL SUPPORT Greater St Louis Inc 211 N Broadway Suite 2200 StLouis MO 63102 371982729 501(C)(6) 100000 GENERAL SUPPORT Guadalupe Centers Inc 1015 Avenida Cesar E Chavez Kansas City MO 64108 440610781 501(c)(3) 50000 GENERAL SUPPORT Harvester's The Community Food Network 3701 Topping Avenue Kansas City MO 64129 431208665 501(c)(3) 10000 GENERAL SUPPORT Hope House PO Box 577 Lees Summit MO 64063 431265685 501(c)(3) 5500 GENERAL SUPPORT Junior Achievement of Grater Kansas City 2842 W 47th Ave Kansas City KS 66103 440604809 501(c)(3) 60000 GENERAL SUPPORT Kansas City Area Development Council 30 W Pershing Rd Suite 200 Kansas City MO 64108 431852671 501(C)(6) 25000 GENERAL SUPPORT Kansas City Metro Crime Commission 3100 Broadway Suite 1234 Kansas City MO 64111 440540176 501(c)(3) 10000 GENERAL SUPPORT KCK Community College Foundation 7250 State Avenue Room 3500 Kansas City KS 66112 480947391 501(c)(3) 200000 GENERAL SUPPORT Operation Breakthrough 3039 Troost Ave Kansas City MO 64109 430971560 501(c)(3) 10000 GENERAL SUPPORT Ronald McDonald House 2502 Cherry Street Kansas City MO 64108 431190760 501(c)(3) 10000 GENERAL SUPPORT Seven Days Inc 8500 Shawnee Mission Pkwy L26 Merriam KS 66202 472237780 501(c)(3) 15000 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 Starlight Theatre Association of KC 4600 Starlight Road Kansas City MO 64132 440552079 501(c)(3) 75000 GENERAL SUPPORT SSM Health Foundation 12312 Olive Blvd Suite 100 StLouis MO 63141 431552945 501(c)(3) 10000 GENERAL SUPPORT The Metropolitan Community College Foundation 3200 Broadway Kansas City MO 64111 510181875 501(c)(3) 50000 GENERAL SUPPORT The University of Kansas Hospital 4000 Cambridge Street Kansas City KS 66160 481202402 501(c)(3) 10600 GENERAL SUPPORT 19 2 Schedule I, Part I, Line 2 Procedures for monitoring use of grant funds GRANTS ARE PROVIDED TO 501(C)(3) AND 501(C)(6) 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 true true false Heath T Burch VP Wealth Management 315038 0 343506 0 1570 0 24000 0 27049 0 711163 0 0 0 Lisa R Ginter Chief Executive Officer 1011746 0 799900 0 30042 0 5133725 0 27921 0 7003334 0 0 0 Timothy R Saracini Chief Financial Officer 571388 0 350704 0 2078768 0 127912 0 33077 0 3161849 0 2073723 0 Ravi Perumparambil Chief Information Officer 443101 0 262583 0 454286 0 333501 0 26197 0 1519668 0 450000 0 Michael P Haggerty Chief Operating Officer/President CUSO 561262 0 343418 0 8855 0 1132576 0 26007 0 2072118 0 0 0 Anita B Newton Chief Innovation Officer 355844 0 190985 0 4295 0 684049 0 31388 0 1266561 0 0 0 Richard R Schier Chief Member Officer 347991 0 224806 0 311942 0 476611 0 34392 0 1395742 0 300000 0 Whitney A Bartelli Chief Marketing & Strategy Officer 392380 0 221719 0 4295 0 740083 0 28127 0 1386604 0 0 0 Justin R Steitz President Copper Financial 261122 0 194799 0 486703 0 24000 0 23440 0 990064 0 0 0 Karl J Geisler SVP Digital Strategy & Systems 295124 0 157214 0 1865 0 24000 0 26783 0 504986 0 0 0 Carrie L O'Connor SVP Chief Lending Officer 397193 0 159963 0 2833 0 24000 0 27246 0 611235 0 0 0 Julia Schaller Chief People Officer 283239 0 152469 0 3927 0 19602 0 15328 0 474565 0 0 0 Walter W Pirnot General Counsel 299698 0 73976 0 4171 0 21794 0 27263 0 426902 0 0 0 Michael H Garrett VP Treasurer 260709 0 65050 0 2581 0 19991 0 34096 0 382427 0 0 0 Amy I Doll SVP Accounting & Finance Services 228120 0 119745 0 2428 0 18479 0 30819 0 399591 0 0 0 Jai B Shankar VP Data, CRM & Integration 250089 0 61056 0 3630 0 19363 0 30266 0 364404 0 0 0 Nicholas E Reitzler VP Commercial Banking 303354 0 56999 0 2046 0 20782 0 26681 0 409862 0 0 0 Linda K Boring VP Member Operations 102168 0 50556 0 432360 0 12354 0 15689 0 613127 0 0 0 Alyssa N Akers VP Risk & Business Administration 199585 0 46823 0 1846 0 11131 0 13677 0 273062 0 0 0 Scott H Strickland President Insurance Services 163831 0 38516 0 3451 0 14205 0 12766 0 232769 0 0 0 David D Heck VP Consumer Lending 276378 0 69350 0 2684 0 22382 0 29864 0 400658 0 0 0 Susan R Johnson SVP Marketing 270987 0 87200 0 3798 0 17177 0 14355 0 393517 0 0 0 John D James VP Compliance 158350 0 12200 0 1711 0 10947 0 31130 0 214338 0 0 0 Terry A Harlow VP Enterprise Risk Management 233229 0 7050 0 2427 0 15247 0 33165 0 291118 0 0 0 Amy R Grothaus SVP Retail Banking 33787 0 114090 0 7166 0 12416 0 239 0 167698 0 0 0 Timothy S Huey Jr SVP Retail Banking 169069 0 2075 0 99164 0 3468 0 22083 0 295859 0 0 0 Karen S Mitchell Vice President, Audit & Compliance 183998 0 33159 0 2903 0 14023 0 14498 0 248581 0 0 0 Jace K Noteboom VP Human Resources 162642 0 2075 0 1250 0 9736 0 7652 0 183355 0 0 0 Rance J Carlson Private Wealth Advisor 177149 0 480191 0 1280 0 19629 0 31949 0 710198 0 0 0 Jeffrey S Vineyard Private Wealth Advisor 176024 0 480444 0 951 0 24000 0 33122 0 714541 0 0 0 Edwin L Rafferty Senior Mortgage Consultant -12354 0 451017 0 5042 0 24000 0 27753 0 495458 0 0 0 Jason D Kepler Senior Mortgage Consultant -13791 0 465506 0 1370 0 24000 0 34159 0 511244 0 0 0 James P Alderman Senior Mortgage Consultant -12496 0 829836 0 291 0 24000 0 27924 0 869555 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 4a Severance or change-of-control payment CERTAIN OFFICERS RECEIVED A SEVERANCE PAYMENT UPON TERMINATION, AMOUNTS PAID, IF ANY, ARE INCLUDED IN COLUMN (B), SECTION (III) - OTHER REPORTABLE COMPENSATION OF SCHEDULE J, PART II: LINDA BORING - $422,663 JUSTIN STEITZ - $481,000 Schedule J, Part I, Line 4b Supplemental nonqualified retirement plan CERTAIN OFFICERS PARTICIPATED IN A SUPPLEMENTAL NON-QUALIFIED RETIREMENT PLAN, AMOUNTS ACCRUED, IF ANY, ARE INCLUDED IN COLUMN (C) OF SCHEDULE J, PART II: WHITNEY BARTELLI - $716,083 LISA GINTER - $5,109,725 MICHAEL HAGGERTY - $1,108,576 ANITA NEWTON - $667,786 RAVI PERUMPARAMBIL - $309,703 TIMOTHY SARACINI - $103,912 RICHARD SCHIER - $452,611 ADDITIONALLY, THE FOLLOWING OFFICERS RECEIVED PAYMENTS THAT ARE INCLUDED IN COLUMN B (iii) AND COLUMN (F) OF SCHEDULE J, PART II: RAVI PERUMPARAMBIL - $450,000 TIMOTHY SARACINI - $2,073,723 RICHARD SCHIER - $300,000 LINDA BORING OFFICER PERSONAL X 200000 16704 false false true AMY DOLL OFFICER PERSONAL X 504828 417309 false false true MICHAEL GARRETT OFFICER PERSONAL X 517720 341273 false false true LISA GINTER OFFICER PERSONAL X 1178836 941170 false false true RICHARD SCHIER OFFICER PERSONAL X 252080 177147 false false true KARL GEISLER OFFICER PERSONAL X 221000 157650 false false true CARRIE O'CONNOR OFFICER PERSONAL X 495000 455219 false false true AMY GROTHAUS OFFICER PERSONAL X 500500 409828 false false true MICHAEL HAGGERTY OFFICER PERSONAL X 859805 1123073 false false true WHITNEY BARTELLI OFFICER PERSONAL X 1112000 1118966 false false true SUSAN JOHNSON OFFICER PERSONAL X 52041 5830 false false true BRIAN LUGER OFFICER PERSONAL X 20000 18310 false false true 5182479 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 and Mike Haggerty - Family relationship 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 PROPOSE 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 ACCOUNTING MANAGEMENT TEAM. 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 EXECUTIVE TEAM. 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 - 22718970; CURRENT YEAR CHANGES-NONCONTROLLING INTERST - 3368495; EDISON CREDIT UNION MERGER - 2956410; ELECTION OF FMV FOR MORTGAGE SERVICING RIGHTS - 2506967; CAPITAL CONTRIBUTION - COMMUNITYAMERICA CUSO ONE, LLC - 1703000; Total - 33253842; Form 990, Part XII, Line 2c FINANCIAL STATEMENT OVERSIGHT THE SUPERVISORY COMMITTEE OF THE BOARD IS RESPONSIBLE 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 -9737176 18172345 CACU COPPER FINANCIAL NETWORK LLC 9777 RIDGE DRIVE LENEXA KS 66219 260046643 SECURITIES MO 14665536 2908498 CA CUSO ONE COMMUNITYAMERICA INSURANCE AGENGY 9777 RIDGE DRIVE LENEXA KS 66219 822394077 INSURANCE MO 1294204 680511 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 -7634321 44658716 false -1613992 true 0.65935 false true false true false false false false false true false false true true true true false false false TRUHOME SOLUTIONS M 432704 FMV TRUHOME SOLUTIONS P 2384318 FMV TRUHOME SOLUTIONS B 3297000 FMV