2019-11-14T12:36:47-06:00 2018-12-31 BKD LLP 1201 Walnut Suite 1700 Kansas City MO 641062246 990 2018-01-01 446015072 COMMUNITYAMERICA CREDIT UNION % TIMOTHY SARACINI COMM 9139057000 9777 RIDGE DRIVE LENEXA KS 66219 AMY L DOLL VP, ACCOUNTING & FIN 9139057000 2019-11-15 true Gregory M Sullivan P01259107 8162216300 2019-11-15 167.68.126.162 43372220193185000050 2019-11-14 P D0FFC0E4C70CD344405AC32D245AF8ED03D3919A 355CC2E4B6E27E32DAADC48E1CA8D97843AD7DA8 2018 2020-03-31 21:24:44Z AMY DOLL 9777 RIDGE DRIVE LENEXA KS 66219 219664599 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 11 972 17 542872 0 0 141844138 148888028 20934504 13225784 90901 63600 162869543 162177412 0 796264 0 0 63400283 59453099 0 0 0 83308092 92053250 146708375 152302613 16161168 9874799 2557690280 2673158341 2242151798 2347093003 315538482 326065338 X COMMUNITYAMERICA CREDIT UNION'S PRIMARY PURPOSE IS TO PROMOTE THE FINANCIAL WELL BEING OF ITS CREDIT UNION MEMBERS THROUGH FINANCIAL SERVICES AND PRODUCTS. true false COMMUNITYAMERICA CREDIT UNION PROVIDES FINANCIAL PRODUCTS AND SERVICES TO NEARLY 240,000 MEMBERS, INCLUDING MORE THAN 106,000 LOANS OUTSTANDING AT 12.31.18, MORE THAN 33,000 LOANS GRANTED FY 2018, COMPETITIVE RATES OFFERED TO MEMBERS, AND 498,000 DEPOSIT ACCOUNTS AT COMPETIVIE 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 93889 0 true 972 true true true false false false false false false 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 X TIMOTHY SARACINI 9139057000 9777 RIDGE DRIVE LENEXA KS 66219 X 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 SUPERVISORY COMMITTEE 1.0 0.0 X 0 0 0 AMY MCANARNEY DIRECTOR 1.0 0.0 X 0 0 0 RICH MILLER SUPERVISORY COMMITTEE 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 JOSEPH WILLIAMS SUPERVISORY COMMITEE 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 LISA GINTER CHIEF EXECUTIVE OFFICER 40.0 0.0 X 963961 0 974760 MICHAEL HAGGERTY PRESIDENT/COO CUSO ONE 40.0 0.0 X 469737 0 29351 JUSTIN STEITZ COO/CCO CAFS 40.0 0.0 X 281516 0 45830 PAMELA BERNEKING CHIEF OPERATIONS OFFICER 40.0 0.0 X 328142 0 156040 RICHARD SCHIER CHIEF MEMBER OFFICER 40.0 0.0 X 335962 0 80397 COLLEEN BROWNE CHIEF PEOPLE OFFICER 40.0 0.0 X 457974 0 64447 TIMOTHY SARACINI CHIEF FINANCIAL OFFICER 40.0 0.0 X 450531 0 239770 DANIEL BENTZINGER CHIEF INFORMATION OFFICER 40.0 0.0 X 255806 0 39324 ANITA NEWTON CHIEF INNOVATION OFFICER, CUSO 40.0 0.0 X 317135 0 8314 GUY RUSSO CHIEF INFORMATION OFFICER 40.0 0.0 X 552123 0 10509 ELIZABETH LEWIS VP-OPERATIONS 40.0 0.0 X 216972 0 41600 AMY DOLL VP-ACCOUNTING & FINANCE SERVIC 40.0 0.0 X 171609 0 41267 MICHAEL FENLEY VP-ANALYTICS & BUSINESS INTELL 40.0 0.0 X 174888 0 5425 MICHAEL GARRETT VP-TREASURER 40.0 0.0 X 184031 0 37011 DEBRA SWEARINGEN VP-COMMERCIAL BANKING 40.0 0.0 X 191780 0 24989 LINDA BORING VP-MEMBER OPERATIONS & SUPPORT 40.0 0.0 X 186874 0 43309 JOHN WATTS VP-CORP PROPERTIES & ASST GENE 40.0 0.0 X 174132 0 42649 AMY GROTHAUS VP- MEMBER EXPERIENCE 40.0 0.0 X 177047 0 37171 BRIAN LUGER VP- LENDING 40.0 0.0 X 164660 0 38519 CRAIG MCCURDY VP- INFRASTRUCTURE & SECURITY 40.0 0.0 X 161132 0 35910 JULIA SCHALLER VP- HUMAN RESOURCES 40.0 0.0 X 106990 0 19683 RANDALL BENTELE VP- SOLUTIONS DELIVERY 40.0 0.0 X 159520 0 38801 MATTHEW JOHNSON VP- MARKETING 40.0 0.0 X 140270 0 38520 EDWIN RAFFERTY MORTGAGE CONSULTANT 40.0 0.0 X 546118 0 51329 JASON KEPLER MORTGAGE CONSULTANT 40.0 0.0 X 328834 0 46911 HEATH BURCH DIRECTOR- WEALTH MANAGEMENT 40.0 0.0 X 312378 0 42635 SCOTT PFEIFER FINANCIAL PLANNING VP 40.0 0.0 X 276059 0 37600 TIMOTHY MCGRATH MORTGAGE CONSULTANT 40.0 0.0 X 314470 0 36907 8400651 0 2308978 132 false true false NCR CORPORATION 14181 COLLECTIONS DRIVE CHICAGO IL 60693 COMPUTER HARDWARE 3276521 CACTUS COMMUNICATIONS INC 2128 15TH STREET DENVER CO 80202 MARKETING/MEDIA 2304779 WORLD WIDE TECHNOLOGY INC 90 WELDON PARKWAY MARYLAND MO 63043 TECHNOLOGY SERVICES 1453740 SALESFORCE 415 MISSION STREET SAN FRANCISCO CA 94105 TECHNOLOGY SERVICES 574003 AL HUBER 10770 EL MONTE OVERLAND PARK KS 66211 GENERAL CONTRACTING 2237753 20 0 Interest on Loans 522200 84190231 84190231 Service Fees 522100 49411408 48697202 714206 Other Operating Income 900099 3137364 3137364 Interest on Investments 525990 12199224 12199224 All other program service revenue - 525990 -50199 121135 -171334 148888028 0 0 0 63600 63600 0 63600 63600 70712971 57487187 13225784 13225784 13225784 0 0 0 0 0 0 0 0 0 0 162177412 161570940 542872 63600 796264 0 0 0 0 0 41204820 3130079 11744209 3373991 234297 256345 239297 0 0 2700 10613457 6212202 6932292 8440243 0 5493865 896958 0 158669 21102685 0 5329347 302265 Provision for Loan Loss 11499980 Miscellaneous Operation 6814787 Loan Servicing 6923696 Dues and Subscriptions 600165 152302613 122892163 41227153 59582520 90400202 0 0 2568 777311 3666783 3321154 0 0 1642741041 1882023383 0 0 33510125 6474656 103929476 46732809 55410228 57196667 537096665 500526508 42225443 51058988 0 0 459822 0 60102922 40152319 2557690280 2673158341 20792528 8479866 0 0 2527455 2097647 0 0 2043236264 2200688090 0 0 141705952 107200000 0 0 33889599 28627400 2242151798 2347093003 X 0 0 0 0 315538482 326065338 315538482 326065338 2557690280 2673158341 X 9874799 -125673 777730 X X false true X true false 21300 21300 21300 true CREDIT UNION PAC 2055 CRAIGSHIRE RD SUITE 200 ST LOUIS MO 63146 431310069 21300 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 47636919 19816473 27823446 5110759 3613145 1497614 30073495 19938188 10135307 7008614 3365003 3643611 57196667 0 Other Liabilities 15330007 Special Dividends to Members 8472000 DEFERRED COMPENSATION LIAIBILITY 4825393 28627400 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) 20000 GENNERAL SUPPORT BOYS AND GIRLS CLUBS OF GREATER KANSAS CITY 4001 BLUE PARKWAY NO 102 KANSAS CITY MO 64132 436072065 501(C)(3) 100000 GENERAL SUPPORT CHILDREN'S MERCY HOSPITAL 2401 GILLHAM ROAD KANSAS CITY MO 64108 440605373 501(C)(3) 25000 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 JARED COONES MEMORIAL FOUNDATION PO BOX 3314 OLATHE KS 66063 431937567 501(C)(3) 10000 GENERAL SUPPORT JUVENILE DIABETES RESEARCH FOUNDATION 120 WALL STREET FL 19 NEW YORK NY 10005 510150028 501(C)(3) 25000 GENERAL SUPPORT ROCKHURST UNIVERSITY 1100 ROCKHURST ROAD KANSAS CITY MO 64110 440545813 501(C)(3) 37500 GENERAL SUPPORT TRUMAN HEARTLAND COMMUNITY FOUNDATION 4200 LITTLE BLUE PARKWAY STE 340 INDEPENDENCE MO 64057 431482136 501(C)(3) 10000 GENERAL SUPPORT TWA MUSEUM 10 RICHARDS ROAD KANSAS CITY MO 64116 460660493 501(C)(3) 6000 GENERAL SUPPORT KANSAS CITY SOCCER FOUNDATION 2020 BALTIMORE AVENUE SUITE 400 KANSAS CITY MO 64108 208657964 501(C)(3) 10000 GENERAL SUPPORT WOMEN'S EMPLOYMENT NETWORK 920 MAIN ST SUITE 100 KANSAS CITY MO 64105 431508734 501(C)(3) 7000 GENERAL SUPPORT COMMUNITYAMERICA FOUNDATION 9777 RIDGE DRIVE LENEXA KS 66219 820725136 501(C)(3) 399999 COMMUNITY SUPPORT 13 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 GINTER CHIEF EXECUTIVE OFFICER 671896 0 290775 0 1290 0 947676 0 27084 0 1938721 0 0 0 MICHAEL HAGGERTY PRESIDENT/COO CUSO ONE 438606 0 30695 0 436 0 6778 0 22573 0 499088 0 0 0 JUSTIN STEITZ COO/CCO CAFS 201880 0 79129 0 507 0 18855 0 26975 0 327346 0 0 0 PAMELA BERNEKING CHIEF OPERATIONS OFFICER 233719 0 92147 0 2276 0 134805 0 21235 0 484182 0 0 0 RICHARD SCHIER CHIEF MEMBER OFFICER 238107 0 95507 0 2348 0 54324 0 26073 0 416359 0 0 0 COLLEEN BROWNE CHIEF PEOPLE OFFICER 317375 0 114191 0 26408 0 52944 0 11503 0 522421 0 0 0 TIMOTHY SARACINI CHIEF FINANCIAL OFFICER 328649 0 119470 0 2412 0 211716 0 28054 0 690301 0 0 0 DANIEL BENTZINGER CHIEF INFORMATION OFFICER 234461 0 20150 0 1195 0 14596 0 24728 0 295130 0 0 0 EDWIN RAFFERTY MORTGAGE CONSULTANT 0 0 546118 0 0 0 24600 0 26729 0 597447 0 0 0 JASON KEPLER MORTGAGE CONSULTANT 0 0 328834 0 0 0 24600 0 22311 0 375745 0 0 0 HEATH BURCH DIRECTOR- WEALTH MANAGEMENT 223609 0 88383 0 386 0 20638 0 21997 0 355013 0 0 0 SCOTT PFEIFER FINANCIAL PLANNING VP 163086 0 112391 0 582 0 22025 0 15575 0 313659 0 0 0 TIMOTHY MCGRATH MORTGAGE CONSULTANT 0 0 314470 0 0 0 24286 0 12621 0 351377 0 0 0 ANITA NEWTON CHIEF INNOVATION OFFICER, CUSO 316331 0 150 0 654 0 7468 0 846 0 325449 0 0 0 GUY RUSSO CHIEF INFORMATION OFFICER 101881 0 89594 0 360648 0 0 0 10509 0 562632 0 0 0 ELIZABETH LEWIS VP-OPERATIONS 175833 0 40550 0 589 0 18958 0 22642 0 258572 0 0 0 AMY DOLL VP-ACCOUNTING & FINANCE SERVIC 135661 0 35500 0 448 0 15879 0 25388 0 212876 0 0 0 MICHAEL FENLEY VP-ANALYTICS & BUSINESS INTELL 151031 0 12567 0 11290 0 0 0 5425 0 180313 0 0 0 MICHAEL GARRETT VP-TREASURER 137205 0 35950 0 10876 0 9575 0 27436 0 221042 0 0 0 DEBRA SWEARINGEN VP-COMMERCIAL BANKING 156043 0 34979 0 758 0 16138 0 8851 0 216769 0 0 0 LINDA BORING VP-MEMBER OPERATIONS & SUPPORT 150216 0 35255 0 1403 0 17285 0 26024 0 230183 0 0 0 JOHN WATTS VP-CORP PROPERTIES & ASST GENE 139571 0 34077 0 484 0 16442 0 26207 0 216781 0 0 0 AMY GROTHAUS VP- MEMBER EXPERIENCE 143802 0 32941 0 304 0 16103 0 21068 0 214218 0 0 0 BRIAN LUGER VP- LENDING 136618 0 26758 0 1284 0 15022 0 23497 0 203179 0 0 0 CRAIG MCCURDY VP- INFRASTRUCTURE & SECURITY 150368 0 9300 0 1464 0 9531 0 26379 0 197042 0 0 0 RANDALL BENTELE VP- SOLUTIONS DELIVERY 145221 0 12900 0 1399 0 12165 0 26636 0 198321 0 0 0 MATTHEW JOHNSON VP- MARKETING 112501 0 27526 0 243 0 13258 0 25262 0 178790 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: GUY RUSSO - $253,456 MICHAEL DETHERAGE - $77,503 KRISTI MCKINZEY - $25,550 HOLLIE MEDLIN - $20,856 DAVID BOSWELL - $10,499 LEONARD MEDLEY - $9,067 JONATHON RICH - $5,554 HEATHER MCCARTY - $3,750 KRISTA ROBINSON - $2,789 PATRICIA CLAXTON - $2,125 4B: THE FOLLOWING INDIVIDUALS PARTICIPATED IN A SUPPLEMENTAL NONQUALIFIED RETIREMENT PLAN, THE AMOUNTS ARE INCLUDED IN THE COLUMN (C) OF SCHEDULE J, PART II: TIM SARACINI - $187,116 LISA GINTER - $923,076 COLLEEN BROWNE - $52,944 PAM BERNEKING - $111,108 RICK SCHIER - $31,584 LINDA BORING OFFICER PERSONAL X 200000 84752 false false true MICHAEL GARRETT KEY EMPLOYEE PERSONAL X 695296 564226 false false true LISA GINTER OFFICER PERSONAL X 1347136 1247683 false false true AMY GROTHAUS OFFICER PERSONAL X 12755 12755 false false true TIM SARACINI OFFICER PERSONAL X 367 367 false false true RICH SCHIER OFFICER PERSONAL X 366554 272392 false false true JOHN WATTS OFFICER PERSONAL X 216000 192113 false false true DEBRA SWEARINGEN OFFICER PERSONAL X 49658 49658 false false true AMY DOLL OFFICER PERSONAL X 409902 409902 false false true BRIAN LUGER OFFICER PERSONAL X 33321 33321 false false true RANDY BENTELE OFFICER PERSONAL X 2993 2993 false false true MATT JOHNSON OFFICER PERSONAL X 450992 450992 false false true 3321154 FORM 990, PART III, LINE 2 DURING 2018 THE ORGANIZATION STARTED OFFERING A RANGE OF INSURANCE OPTIONS TO ITS' MEMBERS, THROUGH ITS' WHOLLY OWNED SUBSIDIARY COMMUNITYAMERICA INSURANCE AGENCY, TO HELP PROVIDE FINANCIAL PEACE OF MIND TO THE ORGANIZATION'S MEMBERS BY HELPING PROTECT WHAT MATTERS MOST. 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: A COMPENSATION COMMITTEE DETERMINES THE RECOMMENDED COMPENSATION FOR THE CEO. AN INDEPENDENT COMPENSATION CONSULTANT UTILIZES COMPARABILITY DATA TO DETERMINE THE CEO COMPENSATION PACKAGE. 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 $ ( 777,307) CURRENT YEAR CHANGES-NONCONTROLLING INTERST $ 498,936 OTHER CHANGES IN NONCONTROLLING INTEREST $ ( 99,122) CAPITAL CONTRIBUTION TO SUBSIDIARY $ ( 250,000) CHANGE IN EQUITY THROUGH BUSINESS COMBINATION $ 1,405,223 ------------- $ 777,730 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 5788367 62499759 CACU COMMUNITYAMERICA FINANCIAL SOLUTIONS 9777 RIDGE DRIVE LENEXA KS 66219 260046643 SECURITIES MO 2847813 2713470 CA CUSO ONE CASE LLC 9777 RIDGE DRIVE LENEXA KS 66219 HOLDING COMP MO 0 0 CACU COMMUNITYAMERICA INSURANCE AGENCY 9777 RIDGE DRIVE LENEXA KS 66219 INSURANCE MO 38137 291544 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 SERV MO CUSO ONE LLC RELATED -179416 36667979 false 0 true 0.61650 TRUHOME TITLE SOLUTIONS LLC 14215 E 42ND STREET S INDEPENDENCE MO 64055 204959088 MORTGAGE TITLE MO CUSO ONE LLC RELATED false 0 true 0.68500 true true false true false false false false false true false false false true true true false false true TRUHOME SOLUTIONS LLC A 248466 FMV TRUHOME SOLUTIONS LLC B 255521 FMV TRUHOME SOLUTIONS LLC D 264156 FMV TRUHOME SOLUTIONS LLC J 125717 FMV TRUHOME SOLUTIONS LLC N 578044 FMV TRUHOME SOLUTIONS LLC O 403422 FMV TRUHOME SOLUTIONS LLC P 140400 FMV TRUHOME TITLE SOLUTIONS LLC S 269688 FMV COMMUNITYAMERICA FOUNDATION B 399999 FMV