2014-11-14T15:16:40-06:00 2013-12-31 420714325 MCGLADREY LLP 4801 MAIN STREET SUITE 400 KANSAS CITY MO 64112 990 2013-01-01 446015072 COMMUNITYAMERICA CREDIT UNION COMM 9139057000 9777 RIDGE DRIVE LENEXA KS 66219 DALE GIRARD VICE PRESIDENT, CONTROLLER 9139057000 2014-11-13 1 CONNIE HENDERSON P00156688 8167533000 2013 2015-11-30 17:44:51Z DENNIS PIERCE 9777 RIDGE DRIVE LENEXA KS 66219 500446640 0 1984 X WWW.CACU.COM X 1940 MO COMMUNITYAMERICA CREDIT UNION'S PRIMARY MISSION IS TO PROMOTE THE FINANCIAL WELL BEING OF OUR CREDIT UNION MEMBERS THROUGH FINANCIAL SERVICES AND PRODUCTS. 8 8 895 10 608178 189290 0 0 108855629 107158724 12112526 7199361 16224 428782 120984379 114786867 64679 108053 0 0 35576425 33845329 0 0 0 76497614 65684794 112138718 99638176 8845661 15148691 1847131694 1857923734 1626940324 1617060170 220191370 240863564 COMMUNITYAMERICA CREDIT UNION'S PRIMARY PURPOSE IS TO PROMOTE THE FINANCIAL WELL BEING OF OUR CREDIT UNION MEMBERS THROUGH FINANCIAL SERVICES AND PRODUCTS. 0 0 COMMUNITYAMERICA CREDIT UNION PROVIDES FINANCIAL PRODUCTS AND SERVICES TO 177,352 MEMBERS. THE FINANCIAL PRODUCTS AND SERVICES PROVIDED TO OUR MEMBERS INCLUDED 88,050 LOANS AT COMPETITIVE RATES. THE FINANCIAL PRODUCTS AND SERVICES PROVIDED TO OUR MEMBERS ALSO INCLUDE 328,498 DEPOSIT ACCOUNTS AT COMPETITIVE YIELDS. 0 0 1 0 0 0 0 1 0 1 0 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 1 1 1 1 0 1 77544 0 1 895 1 1 1 0 0 0 0 0 X 8 8 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 1 0 1 1 0 0 X TIMOTHY SARACINI 9139058047 9777 RIDGE DRIVE LENEXA KS 66219 RICH MILLER SECRETARY/TREASURER 1.00 X X 0 0 0 BRUCE BROWER DIRECTOR 1.00 X 0 0 0 COLLEEN BROWNE VICE CHAIRMAN 1.00 X X 0 0 0 TRENT SKAGGS DIRECTOR 1.00 X 0 0 0 BRAD DOUGLAS CHAIRMAN 2.00 X X 0 0 0 MICK FENLEY DIRECTOR 1.00 X 0 0 0 MIKE SWENSON DIRECTOR 1.00 X 0 0 0 TERRI MARTIN DIRECTOR 1.00 X 0 0 0 BRAD MILLER DIRECTOR 1.00 X 0 0 0 ALLISON WAGGONER DIRECTOR 1.00 X 0 0 0 DENNIS PIERCE CEO 40.00 X 640996 0 714910 RICHARD BAUMGARTNER CFO 40.00 X 504691 0 223332 LISA GINTER COO 40.00 X 347579 0 240297 GUY RUSSO CIO 40.00 X 281675 0 303887 SEAN YOKLEY COO, CUSO ONE 40.00 X 366739 0 90963 KEITH VARNEY COO, TRUHOME SOLUTIONS, LL 40.00 X 237900 0 25988 SEREPTHA HELM SVP - CORP AFFAIRS & GENER 40.00 X 171651 0 19479 RICHARD SCHIER SVP - SALES 40.00 X 203424 0 23556 TIMOTHY SARACINI SVP - FINANCE SERVICES 40.00 X 185200 0 22123 RODNEY GRUENBERG SVP - OPERATIONS 40.00 X 262863 0 17347 CARRIE O'CONNOR SVP - LENDING & OPERATIONS 40.00 X 191897 0 22254 ROBERT PERSAUD SVP - MARKETING 40.00 X 150759 0 20192 RANDAL PIERSON SR FINANCIAL ADVISOR 40.00 X 342749 0 26627 EDWIN RAFFERTY MORTGAGE CONSULTANT 40.00 X 425187 0 15300 MIKE HAGGERTY VP - FINANCIAL PLANNING SE 40.00 X 357643 0 26689 TIMOTHY BLAKE SR FINANCIAL ADVISOR 40.00 X 293961 0 26589 MICHAEL KEETON SR FINANCIAL ADVISOR 40.00 X 285604 0 25872 5250518 0 1845405 69 0 1 0 BAILEY LAUERMAN 1299 FARNAM STREET OMAHA NE 68102 MARKETING/MEDIA 2905056 ROTHWELL CONSTRUCTION INC 1500 N 7 HWY SUITE 100 BLUE SPRINGS MO 64014 CONSTRUCTION 617963 FISERV CCS 4220 SHAWNEE MISSION PARKWAY FAIRWAY KS 66205 SOFTWARE MAINTENANCE 361820 ALPINE LITHO GRAPHICS 8640 TROOST AVENUE KANSAS CITY MO 64131 PRINTING 348764 NATIONS VALUATION SERVICES 5348 W 95TH STREET PRAIRIE VILLAGE KS 66207 APPRAISAL SERVICES 347753 21 INTEREST ON LOANS 522200 63406761 63406761 SERVICE FEES 522100 32236472 32236472 INTEREST ON INVESTMENTS 525990 5359372 5359372 OTHER OPERATING INCOME 900099 4702210 4702210 INCOME FROM TRUHOME SOLUTIONS, LL 525990 372450 324814 47636 1081459 510766 560542 10151 107158724 16843 16843 428782 0 428782 428782 428782 20890916 371951375 20916910 364742863 -25994 7208512 7182518 7182518 114786867 106540395 608178 7638294 108053 5269702 22281200 455389 3741497 2097541 290020 128570 344544 713243 4453625 4200199 4682085 2896300 4040497 469377 272337 16824876 2807057 246330 LOAN SERVICING 10582800 PROVISION FOR LOAN LOSS 9200000 MISCELLANEOUS OPERATION 2814012 FEDERAL & STATE TAXES 718922 99638176 127219896 145530885 4258558 3714620 1119319295 1193532256 1817130 2276544 66703565 29358723 37584604 37344842 481937813 405525018 1410485 504476 73583913 69495093 1847131694 1857923734 10217202 7776229 3799153 4487753 175446092 108553707 1437477877 1496242481 1626940324 1617060170 X 0 0 0 0 220191370 240863564 220191370 240863564 1847131694 1857923734 X 15148691 1935373 2612773 975357 X X 0 1 X 1 0 12500 12500 12500 1 PART I-A, LINE 1: COMMUNITYAMERICA DONATES FUNDS TO VARIOUS POLITICAL ACTION COMMITTEES THAT PROMOTE AND SUPPORT THE ACTIVITIES OF CREDIT UNIONS. 0 1 X 10578564 10578564 33118894 12349298 20769596 4584006 3297906 1286100 17997103 13711519 4285584 424998 424998 37344842 OTHER LIABILITIES 6103628 CUSTOMER DEPOSITS 1428814659 BUSINESS DEPOSITS 51852827 SPECIAL DIVIDENDS TO MEMBERS 6000000 DEFERRED COMP LIABILITY 3471367 1496242481 X PART IV, LINE 2B: AS PART OF OUR NORMAL FIRST MORTGAGE LOAN SERVICING, 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. PART X, LINE 2: THE CREDIT UNION ACCOUNTS FOR UNCERTAINTY IN INCOME TAXES IN ACCORDANCE WITH ASC 740, 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 FINANCIAL STATEMENTS FROM SUCH A POSITION ARE MEASURED BASED ON THE LARGEST BENEFIT THAT HAS A GREATER THAN 50% 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 FINANCIAL STATEMENTS AND THE CREDIT UNION DOES NOT HAVE ANY UNCERTAIN TAX POSITIONS. 1 UNITED WAY OF GREATER KANSAS CITY 801 W 47TH ST SUITE 500 KANSAS CITY MO 64112 440545812 501(C)(3) 25000 GENERAL SUPPORT JUNIOR ACHIEVEMENT OF MIDDLE AMERICA 4049 PENNSYLVANIA AVE STE 150 KANSAS CITY MO 64111 440604809 501(C)(3) 9750 GENERAL SUPPORT JUVENILE DIABETES RESEARCH FOUNDATION 26 BROADWAY 14TH FLOOR NEW YORK NY 10004 231907729 501(C)(3) 5000 GENERAL SUPPORT KIDS TLC INC 480 S ROGER RD OLATHE KS 66062 480774593 501(C)(3) 5000 GENERAL SUPPORT CHILDREN'S MERCY HOSPITAL 2401 GILLHAM RD KANSAS CITY MO 64108 440605373 501(C)(3) 40000 GENERAL SUPPORT CRISTO REY KANSAS CITY CORPORATE INTERNSHIP PROGRAM 211 W LINWOOD BLVD KANSAS CITY MO 64111 204407420 501(C)(3) 5903 GENERAL SUPPORT MISSOURI CU CHARITABLE FOUNDATION INC 2055 CRAIGSHIRE DRIVE ST LOUIS MO 63146 431896922 501(C)(3) 5000 GENERAL SUPPORT 7 0 PART I, LINE 2: ALL GRANTS/DONATIONS ARE APPROVED BY THE MANAGEMENT TEAM OF COMMUNITYAMERICA CREDIT UNION. X X X 1 1 X X X 1 1 0 DENNIS PIERCE CEO 423157 0 198539 0 19300 0 706622 0 8288 0 1355906 0 0 0 RICHARD BAUMGARTNER CFO 225831 0 73665 0 205195 0 215300 0 8032 0 728023 0 200000 0 LISA GINTER COO 242541 0 89814 0 15224 0 229319 0 10978 0 587876 0 0 0 GUY RUSSO CIO 211760 0 68353 0 1562 0 292956 0 10931 0 585562 0 0 0 SEAN YOKLEY COO, CUSO ONE 193568 0 172305 0 866 0 80065 0 10898 0 457702 0 0 0 KEITH VARNEY COO, TRUHOME SOLUTIONS, LL 176003 0 56700 0 5197 0 14815 0 11173 0 263888 0 0 0 SEREPTHA HELM SVP - CORP AFFAIRS & GENER 135444 0 35597 0 610 0 10744 0 8735 0 191130 0 0 0 RICHARD SCHIER SVP - SALES 158735 0 42126 0 2563 0 12477 0 11079 0 226980 0 0 0 TIMOTHY SARACINI SVP - FINANCE SERVICES 145874 0 38292 0 1034 0 11386 0 10737 0 207323 0 0 0 RODNEY GRUENBERG SVP - OPERATIONS 26760 0 35656 0 200447 0 15300 0 2047 0 280210 0 0 0 CARRIE O'CONNOR SVP - LENDING & OPERATIONS 152850 0 38425 0 622 0 10785 0 11469 0 214151 0 0 0 ROBERT PERSAUD SVP - MARKETING 150088 0 0 0 671 0 9531 0 10661 0 170951 0 0 0 RANDAL PIERSON SR FINANCIAL ADVISOR 0 0 339203 0 3546 0 15300 0 11327 0 369376 0 0 0 EDWIN RAFFERTY MORTGAGE CONSULTANT 423482 0 1705 0 0 0 11327 0 0 0 436514 0 0 0 MIKE HAGGERTY VP - FINANCIAL PLANNING SE 95965 0 261257 0 421 0 15300 0 11389 0 384332 0 0 0 TIMOTHY BLAKE SR FINANCIAL ADVISOR 0 0 293169 0 792 0 15300 0 11289 0 320550 0 0 0 MICHAEL KEETON SR FINANCIAL ADVISOR 0 0 284813 0 791 0 15300 0 10572 0 311476 0 0 0 PART I, LINE 1A COMMUNITYAMERICA PROVIDED TRAVEL FOR COMPANIONS, IF REQUESTED, FOR ALL PERSONS LISTED. THIS BENEFIT WAS NOT TREATED AS TAXABLE COMPENSATION TO THE PERSON LISTED, BUT TO THE TRAVELING COMPANION. GROSSED-UP LONG TERM DISABILITY PREMIUMS ARE INCLUDED IN DENNIS PIERCE'S TAXABLE COMPENSATION. THE SENIOR OFFICERS OF COMMUNITYAMERICA ARE REIMBURSED FOR INCOME TAX PREPARATION EXPENSES, IF REQUESTED. THESE REIMBURSEMENTS ARE INCLUDED IN THEIR TAXABLE COMPENSATION. PART I, LINES 4A-B 4A: ROD GRUENBERG RECEIVED A $192,125 RETIREMENT PAYMENT. 4B:THE FOLLOWING INDIVIDUALS PARTICIPATED IN A SUPPLEMENTAL NONQUALIFIED RETIREMENT PLAN: DENNIS PIERCE, LISA GINTER, GUY RUSSO, SEAN YOKLEY, AND KEITH VARNEY. AMOUNTS FROM THIS PLAN ARE NOT REFLECTED IN THEIR COMPENSATION. 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 PROPOSE CANIDATES 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 BOARD MEMBERS ARE APPROVED AT THE ANNUAL MEETING BY ACCLAMATION. 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 11 THE FORM 990 IS REVIEWED BY MEMBERS OF THE MANAGEMENT TEAM PRIOR TO FILING WITH THE IRS. 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 15A A COMPENSATION COMMITTEE DETERMINES THE RECOMMENDED COMPENSATION FOR THE CEO. AN INDEPENDENT COMPENSATION CONSULTANT UTILIZES COMPARABILTIY 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 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: PASS-THROUGH INCOME FROM PARTNERSHIPS -871,012. RETURN OF CAPITAL FROM PARTNERSHIPS 1,846,369. FORM 990, PART XII, LINE 2C: THE ORGANIZATION HAS A COMMITTEE THAT ASSUMES RESPONSIBILITY FOR OVERSIGHT OF THE AUDIT OF ITS FINANCIAL STATEMENTS AND THE SELECTION OF AN INDEPENDENT ACCOUNTANT. NEITHER THE OVERSIGHT PROCESS NOR THE SELECTION PROCESS CHANGED DURING THE TAX YEAR. COMMUNITYAMERICA CUSO ONE LLC 9777 RIDGE DRIVE LENEXA KS 66219 431925982 HOLDING COMPANY MO 3167744 26631829 COMMUNITYAMERICA CREDIT UNION CASE LLC 9777 RIDGE DRIVE LENEXA KS 66219 HOLDING COMPANY MO 0 0 COMMUNITYAMERICA CREDIT UNION TRUHOME SOLUTIONS LLC 9777 RIDGE DRIVE LENEXA KS 66219 760762186 MORTGAGE COMPANY MO CUSO ONE LLC RELATED 372450 46712783 0 1 0.61650 TRUHOME TITLE SOLUTIONS LLC 14215 E 42ND ST S INDEPENDENCE MO 64055 204959088 TITLE SERVICES MO CUSO ONE LLC RELATED 292274 209977 0 1 0.68500 PREFERRED FINANCIAL SERVICE 925 NE DEERBROOK ST LEES SUMMIT MO 64086 431384279 FINANCIAL SERVICES MO COMMUNITYAMERICA CREDIT UNION C 0.50000 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 1 0 0 TRUEHOME SOLUTIONS LLC A 428175 FMV TRUEHOME SOLUTIONS LLC M 5099246 FMV TRUEHOME SOLUTIONS LLC O 4555576 FMV TRUEHOME SOLUTIONS LLC Q 1101593 FMV TRUEHOME TITLE SOLUTIONS LLC O 176578 FMV