2013-11-14T14:59:54-06:00 2012-12-31 420714325 MCGLADREY LLP 4801 MAIN STREET SUITE 400 KANSAS CITY MO 64112 990 2012-01-01 446015072 COMMUNITYAMERICA CREDIT UNION COMM 9139057000 9777 RIDGE DRIVE LENEXA KS 66219 DALE GIRARD 9139057000 2013-11-13 1 CONNIE HENDERSON P00156688 8167533000 2012 2016-02-25 16:41:14Z DENNIS PIERCE 9777 RIDGE DRIVE LENEXA KS 66219 576969702 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. 10 10 837 10 1846070 1421055 0 0 109218697 108855629 5908980 12112526 22485 16224 115150162 120984379 145976 64679 0 0 32599729 35576425 0 0 0 72164965 76497614 104910670 112138718 10239492 8845661 1839630062 1847131694 1624700552 1626940324 214929510 220191370 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 170,257 MEMBERS. THE FINANCIAL PRODUCTS AND SERVICES PROVIDED TO OUR MEMBERS INCLUDED 91,030 LOANS AT COMPETITIVE RATES. THE FINANCIAL PRODUCTS AND SERVICES PROVIDED TO OUR MEMBERS ALSO INCLUDES 314,828 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 64461 0 1 837 1 1 1 0 0 0 0 0 X 10 10 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 1 0 1 1 0 0 X RICHARD BAUMGARTNER 9139058144 9777 RIDGE DRIVE LENEXA KS 66219 RICH MILLER 1.00 X 0 0 0 BRUCE BROWER 1.00 X 0 0 0 COLLEEN BROWNE 1.00 X X 0 0 0 TRENT SKAGGS 1.00 X 0 0 0 BRAD DOUGLAS 2.00 X X 0 0 0 MICK FENLEY 1.00 X 0 0 0 MIKE SWENSON 1.00 X 0 0 0 TERRI MARTIN 1.00 X 0 0 0 BRAD MILLER 1.00 X X 0 0 0 ALLISON WAGGONER 1.00 X 0 0 0 DENNIS PIERCE 40.00 X 629424 0 379483 RICHARD BAUMGARTNER 40.00 X 517831 0 228854 LISA GINTER 40.00 X 339104 0 127437 GUY RUSSO 40.00 X 277840 0 148206 SEAN YOKLEY 40.00 X 288373 0 33096 KEITH VARNEY 40.00 X 0 203322 33887 SEREPTHA HELM 40.00 X 167138 0 18553 RICHARD SCHIER 40.00 X 197051 0 31648 TIMOTHY SARACINI 40.00 X 175402 0 30945 JEAN HUGHES 40.00 X 185290 0 9346 RODNEY GRUENBERG 40.00 X 170118 0 24177 RANDAL PIERSON 40.00 X 373842 0 33913 EDWIN RAFFERTY 40.00 X 0 324123 34223 WILLIAM CHILES JR 40.00 X 0 334162 35040 MIKE HAGGERTY 40.00 X 303525 0 36269 TIMOTHY BLAKE 40.00 X 287350 0 35513 3912288 861607 1240590 54 0 1 0 BAILEY LAUERMAN 1299 FARNAM STREET OMAHA NE 68102 MARKETING/MEDIA 1405489 NCR CORPORATION 3097 SATELLITE BOULEVARD NW DULUTH GA 30096 ATM & SOFTWARE MAINTENANCE 365817 MICRODYNAMICS GROUP 1400 SHORE ROAD NAPERVILLE IL 60563 STATEMENT PRINTING 223519 FISERV CCS 4220 SHAWNEE MISSION PARKWAY FAIRWAY KS 66205 SOFTWARE MAINTENANCE 210806 ALPINE LITHO GRAPHICS 8640 TROOST AVENUE KANSAS CITY MO 64131 PRINTING 198937 11 INTEREST ON LOANS 522200 64098300 64098300 SERVICE FEES 522100 31640728 31640728 INTEREST ON INVESTMENTS 525990 6251558 6251558 OTHER OPERATING INCOME 900099 3160875 3160875 INCOME FROM TRUHOME SOLUTIONS, LL 525990 2625331 1255839 1233381 136111 1078837 454249 612689 11899 108855629 12058 12058 219589 203365 16224 16224 16224 6942590 460939836 6883702 448898256 58888 12041580 12100468 12100468 120984379 106861549 1846070 12276760 64679 3779316 23523048 2074784 4085472 2113805 96275 122132 297877 622699 3826707 4812839 4979740 2094679 3720488 519264 178762 21789138 2974404 224238 PROVISION FOR LOAN LOSS 17712741 LOAN SERVICING 10809223 MISCELLANEOUS OPERATION 1335659 FEDERAL & STATE TAXES 380749 112138718 50849237 127219896 2376491 4258558 1110223216 1119319295 2018354 1817130 66832660 29248056 38949622 37584604 586589892 481937813 816267 1410485 47806983 73583913 1839630062 1847131694 8149293 10217202 3744066 3799153 221531884 175446092 1391275309 1437477877 1624700552 1626940324 X 0 0 0 0 214929510 220191370 214929510 220191370 1839630062 1847131694 X 8845661 1078029 -2636759 -2025071 X X 0 1 X 1 0 21250 21250 21250 1 ORGANIZATIONS DIRECT AND INDIRECT POLITICAL CAMPAIGN ACTIVITIES: 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 10660515 10660515 34587969 11849666 22738303 3850190 2880194 969996 17451632 14518196 2933436 282354 282354 37584604 INTEREST & DIVIDENDS RECEIVABLE 6730287 PREPAID EXPENSES 13679512 DEFERRED FEES 6609295 OTHER ASSETS 36705174 INVESTMENT IN PARTNERSHIPS 9859645 73583913 OTHER LIABILITIES 10642105 CUSTOMER DEPOSITS 1377549196 BUSINESS DEPOSITS 41667054 SPEICAL DIVIDENDS TO MEMBERS 5500000 DEFERRED COMP LIABILITY 2119522 1437477877 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. DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: 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 PO BOX 871400 KANSAS CITY MO 64187 440545812 501(C)(3) 10000 GENERAL SUPPORT AMERICAN HEART ASSOCIATION 208 S LASALLE ST STE 1500 CHICAGO IL 60604 135613797 501(C)(3) 7942 GENERAL SUPPORT JUNIOR ACHIEVEMENT OF MIDDLE AMERICA 4049 PENNSYLVANIA AVE STE 150 KANSAS CITY MO 64111 440604809 501(C)(3) 6511 GENERAL SUPPORT JUVENILE DIABETES RESEARCH FOUNDATION 26 BROADWAY NEW YORK NY 10004 231907729 501(C)(3) 5864 GENERAL SUPPORT CATHOLIC CHARITIES OF KANSAS CITY - ST JOSEPH 20 WEST 9TH ST STE 600 KANSAS CITY MO 64105 430887779 501(C)(3) 5500 GENERAL SUPPORT KIDS TLC INC 480 S ROGER RD OLATHE KS 66062 480774593 501(C)(3) 5250 GENERAL SUPPORT SPEAKER'S ANNUAL GOLF FUND 201 W CAPITOL AVE RM 308-A JEFFERSON CITY MO 65101 462657970 5000 BUST FOR BUCK O'NEIL 6 1 PROCEDURE FOR MONITORING GRANTS IN THE U.S.: PART I, LINE 2: SCHEDULE I, 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 412464 0 197131 0 19829 0 361409 0 18074 0 1008907 0 0 0 RICHARD BAUMGARTNER 224774 0 76360 0 216697 0 215000 0 13854 0 746685 0 200000 0 LISA GINTER 234133 0 91911 0 13060 0 107537 0 19900 0 466541 0 0 0 GUY RUSSO 205416 0 70854 0 1570 0 128598 0 19608 0 426046 0 0 0 SEAN YOKLEY 182486 0 105054 0 833 0 15000 0 18096 0 321469 0 0 0 KEITH VARNEY 0 150068 0 39485 0 13769 0 12700 0 21187 0 237209 0 0 SEREPTHA HELM 130368 0 36165 0 605 0 10201 0 8352 0 185691 0 0 0 RICHARD SCHIER 151047 0 42799 0 3205 0 12092 0 19556 0 228699 0 0 0 TIMOTHY SARACINI 135894 0 38510 0 998 0 10964 0 19981 0 206347 0 0 0 JEAN HUGHES 6227 0 37904 0 141159 0 9080 0 266 0 194636 0 0 0 RODNEY GRUENBERG 129415 0 37674 0 3029 0 10333 0 13844 0 194295 0 0 0 RANDAL PIERSON 0 0 371615 0 2227 0 15000 0 18913 0 407755 0 0 0 EDWIN RAFFERTY 0 0 0 322696 0 1427 0 15000 0 19223 0 358346 0 0 WILLIAM CHILES JR 0 0 0 332477 0 1685 0 15000 0 20040 0 369202 0 0 MIKE HAGGERTY 93667 0 209413 0 445 0 15000 0 21269 0 339794 0 0 0 TIMOTHY BLAKE 0 0 286592 0 758 0 15000 0 20513 0 322863 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. 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 PART I, LINES 4A-B: 4A: JEAN HUGHES RECEIVED A $135,371 SEVERANCE 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 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. AN ACTUAL VOTE BY THE MEMBERSHIP IS REQUIRED TO CHANGE THE CREDIT UNION'S CHARTER OR CERTAIN BYLAWS. 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 WILL BE 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 WHICH 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. THE COMMITTEE IS ASSISTED BY AN INDEPENDENT COMPENSATION CONSULTANT, WHICH 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 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. CHANGES IN NET ASSETS OR FUND BALANCES: FORM 990, PART XI, LINE 9: PASS-THROUGH INCOME FROM PARTNERSHIPS -3,089,071. RETURN OF CAPITAL FROM PARTNERSHIPS 1,064,000. 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 1198768 8609206 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 2625331 15849912 0 1 0.68500 TRUHOME TITLE SOLUTIONS LLC 14215 E 42ND ST S INDEPENDENCE MO 64055 204959088 TITLE SERVICES MO CUSO ONE LLC RELATED 499532 452359 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 231589 FMV TRUEHOME SOLUTIONS LLC M 6008303 FMV TRUEHOME SOLUTIONS LLC O 10508114 FMV TRUEHOME SOLUTIONS LLC Q 560461 FMV TRUEHOME TITLE SOLUTIONS LLC O 516886 FMV