2011-11-15T13:27:55-06:00 2010-12-31 CBIZ MHM LLC 11440 TOMAHAWK CREEK PARKWAY LEAWOOD KS 66211 990 2010-01-01 446015072 CommunityAmerica Credit Union COMM 9139057000 9777 Ridge Drive Lenexa KS 66219 Dale Girard 9139058306 2011-10-15 true JAMES ANDERSON 9132341000 2010 2016-03-07 17:11:31Z Dennis Pierce 9777 Ridge Drive Lenexa KS 66219 402757148 false 1984 X www.cacu.com X 1940 MO COMMUNITYAMERICA CREDIT UNION'S PRIMARY PURPOSE IS TO PROMOTE THE FINANCIAL WELL BEING OF OUR CREDIT UNION MEMBERS THROUGH FINANCIAL SERVICES AND PRODUCTS. 11 11 679 14 919116 -761671 0 0 118785233 116160591 1977638 5206374 27641 17574 120790512 121384539 78380 118517 0 0 29620628 31573244 0 0 0 92790248 84082706 122489256 115774467 -1698744 5610072 1771674689 1715617121 1577355950 1513637943 194318739 201979178 COMMUNITYAMERICA CREDIT UNION'S PRIMARY PURPOSE IS TO PROMOTE THE FINANCIAL WELL BEING OF OUR CREDIT UNION MEMBERS THROUGH FINANCIAL SERVICES AND PRODUCTS. false false CommunityAmerica Credit Union provides financial products and services to 166,301 members. The financial products and services provided to our members included 91,011 loans and 301,893 deposit accounts at competitive rates and yields. false false true 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 false false false false false true true true true false true 62257 0 679 true true true false false false false false X 11 11 true false false false true true true true true false true true true true true true false true true false false X RICHARD BAUMGARTNER 9139058144 9777 RIDGE DRIVE Lenexa KS 66219 Roger Adamson 1.0 X 0 0 0 Bruce Brower 2.0 X 0 0 0 Colleen Browne 1.0 X 0 0 0 Dave Drollinger 1.0 X 0 0 0 Brad Douglas 1.0 X 0 0 0 Mick Fenley 1.0 X 0 0 0 Phil Gaines 1.0 X 0 0 0 Tom Humphrey 1.0 X 0 0 0 Terri Martin 1.0 X 0 0 0 Brad Miller 1.0 X 0 0 0 Allison Waggoner 1.0 X 0 0 0 Dennis Pierce 40.0 X 483868 0 497009 Richard Baumgartner 40.0 X 275831 0 21719 Lisa Ginter 40.0 X 287506 0 177032 Guy Russo 40.0 X 250720 0 205360 Darrell Yokely 40.0 X 374176 0 15628 Sean Yokely 40.0 X 221612 0 95235 Keith Varney 40.0 X 0 171734 22411 Michael Haggerty 40.0 X 209716 0 24143 Randal Pierson 40.0 X 194558 0 21403 Rance Carlson 40.0 X 181991 0 22922 William Chiles 40.0 X 0 255511 26193 Edwin Rafferty 40.0 X 0 166485 16704 2479978 593730 1145759 9 false true false CBIZ Accounting Tax and Advisory 11440 Tomahawk Creek Parkway LEAWOOD KS 66211 Accounting 114234 Lewis Rice Fingersh LLC 1010 Walnut Suite 500 KANSAS CITY MO 64106 Legal Services 128598 Ellerman Snow Removal LLC 11900 E St Route 350 RAYTOWN MO 64138 Snow Removal 176311 3 0 INTEREST ON LOANS 522200 77736805 77736805 INTEREST ON INVESTMENTS 525990 3579574 3579574 SERVICE FEES 522100 28989346 28989346 OTHER OPERATING INCOME 900099 3652044 3652044 INCOME FROM TRUHOME SOLUTIONS, LLC 525990 1235102 761843 431520 41739 967720 467208 487596 12916 116160591 8338 8338 0 0 119931 102357 17574 17574 17574 286468288 281270252 5198036 5198036 5198036 0 0 0 0 121384539 115186820 919116 5278603 118517 0 0 0 3560429 0 21480038 1782317 2860714 1889746 131770 196119 296527 0 0 363623 3140359 5106520 5520832 2156648 0 3602428 561141 0 0 25346456 0 3293764 352335 PROVISION FOR LOAN LOSSES 20109041 LOAN SERVICING 7214018 MISCELLANEOUS OPERATIONS 4281330 LOC PROVISION 207959 FEDERAL & STATE TAXES 2140756 61080 115774467 75740037 76407502 544552 714656 1291272389 1203084844 3549588 2619173 67349572 26897936 43088013 40451636 305344372 347171812 4265109 925851 47870629 44241647 1771674689 1715617121 6241379 6865977 3548999 3122140 283580043 208306635 1283985529 1295343191 1577355950 1513637943 X 194318739 201979178 194318739 201979178 1771674689 1715617121 X 5610072 2050367 X false true true X false 25000 0 25000 25000 true POLITICAL ACTIVITIES SCHEDULE C, PART I-A, LINE 1 COMMUNITYAMERICA GIVES FUNDS TO VARIOUS POLITICAL ACTION COMMITTEES THAT PROMOTE AND SUPPORT THE ACTIVITIES OF CREDIT UNIONS. false true 10660515 10660515 34462098 9318018 25144080 5535514 3804124 1731390 16137678 13775794 2361884 553767 553767 40451636 0 OTHER LIABILITIES 11343973 CONSUMER DEPOSITS 1254262411 BUSINESS DEPOSITS 27224448 SPECIAL DIVIDENDS TO MEMBERS 1000000 DEFERRED COMP LIABILITY 1512359 1295343191 ESCROW ACCOUNTS SCHEDULE D, PART IV, LINE 2B AS PART OF OUR NORMAL FIRST MORTGAGE LOAN SERVICING, PAYMENTS ARE COLLECTED MONTHLY AND PLACED IN ESCROW FOR THE BORROWER TO PAY THEIR REAL ESTATE TAXES AND HOME OWNER INSURANCE. COMMUNITYAMERICA PAYS THE TAXES AND INSURANCE PREMIUMS WHEN DUE ON BEHALF OF THE BORROWER. UNCERTAIN TAX POSITIONS SCHEDULE D, PART X, LINE 2 EFFECTIVE JANUARY 1, 2009, THE CREDIT UNION ADOPTED THE GUIDANCE REQUIRING MEASUREMENT AND DISCLOSURE OF UNCERTAIN TAX POSITIONS UNDER THE ASC TOPIC, "INCOME TAXES." UPON ADOPTION, THE CREDIT UNION DID NOT IDENTIFY ANY UNCERTAIN TAX POSITIONS THAT ARE NOT MORE LIKELY THAN NOT TO BE UPHELD. THERE HAS BEEN NO INTEREST OR PENALTIES RECOGNIZED IN EITHER THE CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION OR OPERATIONS RELATED TO UNCERTAIN TAX POSITIONS. IN ADDITION, NO TAX POSITIONS EXISTED FOR WHICH IT IS REASONABLY POSSIBLE THAT THE TOTAL AMOUNTS OF UNRECOGNIZED TAX BENEFITS WILL SIGNIFICANTLY INCREASE OR DECREASE WITHIN THE NEXT 12 MONTHS. true SPELMAN MEDICAL FOUNDATION 5830 NW BARRY RD KANSAS CITY MO 64154 431270223 501(C)(3) 25000 FMV N/A Contribution JUNIOR ACHIEVEMENT OF MIDDLE AMERICA 4049 PENNSYLVANIA AVE KC MO 64111 440604809 501(C)(3) 12295 FMV N/A Contribution UP UP AND AWAY TWA 5038 N CLEVELAND KANSAS CITY MO 64119 272892268 501(c)(7) 8416 FMV N/A CONTRIBUTION 2 1 APPROVAL OF GRANT FUNDS SCHEDULE I, PART I, LINE 2 All grants/donations are approved by the management team of CommunityAmerica Credit Union. X X X X true true X X X false true false Dennis Pierce 339365 0 132807 0 11696 0 489062 0 7947 0 980877 0 0 0 Richard Baumgartner 215433 0 56680 0 3718 0 13800 0 7919 0 297550 0 0 0 Lisa Ginter 216609 0 57200 0 13697 0 166101 0 10931 0 464538 0 0 0 Guy Russo 196801 0 52335 0 1584 0 194501 0 10859 0 456080 0 0 0 Darrell Yokely 75608 0 248672 0 49896 0 13800 0 1828 0 389804 0 0 0 Sean Yokely 166359 0 54450 0 803 0 84381 0 10854 0 316847 0 0 0 Michael Haggerty 85019 0 123850 0 847 0 12648 0 11495 0 233859 0 0 0 Randal Pierson 0 0 193284 0 1274 0 9908 0 11495 0 215961 0 0 0 Keith Varney 0 134094 0 36837 0 803 0 10841 0 11570 0 194145 0 0 Rance Carlson 0 0 181274 0 717 0 11428 0 11494 0 204913 0 0 0 William Chiles 0 0 0 254780 0 731 0 14700 0 11493 0 281704 0 0 Edwin Rafferty 0 0 0 166089 0 396 0 8979 0 7725 0 183189 0 0 ADDITIONAL COMPENSATION FOR LISTED PERSONS SCHEDULE J, 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 LIFE INSURANCE PREMIUMS ARE INCLUDED IN DARRELL YOKLEY'S TAXABLE COMPENSATION. HIS TAXABLE COMPENSATION ALSO INCLUDED A DISCRETIONARY SPENDING ACCOUNT. THE SENIOR OFFICERS OF COMMUNITYAMERICA ARE REIMBURSED FOR INCOME TAX PREPARATION EXPENSES, IF REQUESTED. THESE REIMBURSEMENTS ARE INCLUDED IN THEIR TAXABLE COMPENSATION. SUPPLEMENTAL NONQUALIFIED RETIREMENT PLANS SCHEDULE J, PART I, LINE 4B THE FOLLOWING INDIVIDUALS PARTICIPATED IN A SUPPLEMENTAL NONQUALIFIED RETIREMENT PLAN AND AMOUNTS FROM THIS PLAN ARE REFLECTED IN THEIR COMPENSATION: DENNIS PIERCE LISA GINTER GUY RUSSO SEAN YOKLEY BOARD RELATIONSHIPS FORM 990, PART VI, SECTION A, LINE 2 THE FOLLOWING OFFICERS HAVE A FAMILY RELATIONSHIP: DARRELL YOKLEY SEAN YOKLEY ORGANIZATION MEMBERS 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. DECISIONS OF THE GOVERNING BODY FORM 990, PART VI, SECTION A, LINE 7A & LINE 7B 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. CONFLICT OF INTEREST POLICY FORM 990, PART VI, SECTION B, LINE 12C DIRECTORS AND EMPLOYEES ARE REQUIRED TO DISCLOSE ANY CONFLICTS OF INTEREST ON AN ANNUAL BASIS. COMPENSATION REVIEW & APPROVAL FORM 990, PART VI, SECTION B, LINE 15A A COMPENSATION COMMITTEE DETERMINES THE RECOMMENDED COMPENSATION FOR THE CEO. AN INDEPENDENT COMPENSATION CONSULTANT IS UTILIZED BY THE COMMITTEE TO ASSIST THEM IN DETERMINING 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. AVAILABILITY OF DOCUMENTS TO THE PUBLIC 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. REVIEW OF FORM 990 FORM 990, PART VI, SECTION B, LINE 11A THE FORM 990 WILL BE REVIEWED BY MEMBERS OF THE MANAGEMENT TEAM PRIOR TO FILING WITH THE IRS. OTHER CHANGES IN NET ASSETS FORM 990, PART XI, LINE 5 RECONCILING DIFFERENCES INCLUDE: 1,574,917 Unrealized Gain on Investments (35,948) Book to Tax Differences from Partnership Investments 367,000 CHANGE IN ACCUMULATED OTHER COMPREHENSIVE INCOME 144,398 PY Retained Earnings from Disregarded Entities Added in 2010 2,050,367 TOTAL RECONCILING ITEMS COMMUNITYAMERICA CUSO ONE LLC 9777 RIDGE DRIVE LENEXA KS 66219 431925982 HOLDING COMP. MO 2269727 3023084 COMMAMER CASE LLC 9777 RIDGE DRIVE LENEXA KS 66219 HOLDING COMP. MO 0 0 CUSO ONE TRUHOME SOLUTIONS LLC 9777 RIDGE DRIVE LENEXA KS 66219 760762186 MORTGAGE COMP MO CUSO ONE LLC RELATED 1235102 3492481 false true 0.68500 TRUHOME TITLE SOLUTIONS LLC 14215 E 42ND STREET S INDEPENDENCE MO 64055 204959088 TITLE SERVICES MO CUSO ONE LLC RELATED 245291 245064 false true 0.68500 PREFERRED FINANCIAL SERVICES 925 NE DEERBROOK ST LEES SUMMIT MO 64086 431384279 FIN. 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