2026-09-18T10:23:16+00:00 2025-10-31 440160260 FORVIS MAZARS LLP 1201 WALNUT STREET SUITE 1700 KANSAS CITY MO 641062246 990 2025-01-01 446015072 COMMUNITYAMERICA CREDIT UNION COMM 9139057000 9777 RIDGE DRIVE LENEXA KS 66219 AMY DOLL SVP- ACCOUNTING & FI 9139057000 2026-09-18 true APRIL ARNOLD P01559426 8162216300 2026-09-18 2025 X AMY DOLL 9777 RIDGE DRIVE LENEXA KS 66219 361798331 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. X 11 11 1205 12 -407964 0 0 0 373909460 339825530 20178326 21972801 0 0 394087786 361798331 1061100 905523 0 100877311 91490586 0 0 0 271058868 228254031 372997279 320650140 21090507 41148191 5046888532 0 4550245605 0 496642927 0 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 385,000 MEMBERS, INCLUDING MORE THAN $3.9 BILLION IN LOANS OUTSTANDING AT 10.31.25. THE CREDIT UNION HAD MORE THAN $4.9 BILLION IN DEPOSIT ACCOUNTS AT COMPETITIVE YIELDS AS OF OCTOBER 31, 2025. 0 false false false false false false false false true false false false false false false 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 true false true true true true false false true 0 0 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 4643 0 1673 ALOK SRIVASTAVA DIRECTOR 1.0 0.0 X 1872 0 0 AMY MCANARNEY DIRECTOR END 10/31/2025 1.0 0.0 X 0 0 0 BRI SIMONEAU DIRECTOR 1.0 0.0 X 686 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 2909 0 0 JOSHUA JOHNSON DIRECTOR 1.0 0.0 X 0 0 0 KERRY DOMKE DIRECTOR 1.0 0.0 X 3050 0 0 RICHARD WETZEL DIRECTOR 1.0 0.0 X 742 0 0 TRENT SKAGGS DIRECTOR 1.0 0.0 X 1025 0 0 ALYSSA N AKERS VP RISK & BUSINESS ADMINISTRATION 40.0 0.0 X 268790 0 33070 AMY I DOLL SVP ACCOUNTING & FINANCE SERVICES 40.0 0.0 X 348110 0 52662 ANITA B NEWTON CHIEF INNOVATION OFFICER 40.0 0.0 X 530431 0 293328 CARRIE L O'CONNOR SVP CHIEF LENDING OFFICER 40.0 0.0 X 418565 0 54589 DAVID D HECK VP CONSUMER LENDING 40.0 0.0 X 316651 0 41199 GEORGE HENLEY VP MORTGAGE 40.0 0.0 X 172205 0 5049 HEATH T BURCH VP WEALTH MANAGEMENT 40.0 0.0 X 627703 0 55634 JACE K NOTEBOOM VP HUMAN RESOURCES 40.0 0.0 X 278078 0 28939 JAI B SHANKAR VP DATA, CRM & INTEGRATION 40.0 0.0 X 324546 0 53344 JOHN D JAMES VP COMPLIANCE 40.0 0.0 X 209569 0 49497 JULIA SCHALLER CHIEF PEOPLE OFFICER 40.0 0.0 X 439634 0 45991 KAREN S MITCHELL VICE PRESIDENT, AUDIT & COMPLIANCE 40.0 0.0 X 228660 0 32646 KARL J GEISLER SVP DIGITAL STRATEGY & SYSTEMS 40.0 0.0 X 438274 0 55864 KATHLEEN M O'NEILL PRESIDENT ST. LOUIS MARKET 40.0 0.0 X 705989 0 21896 KIMBERLY M HOBBS SVP STRATEGIC PARTNERSHIPS & MARKET DEV 40.0 0.0 X 33369 0 3367 LISA R GINTER CHIEF EXECUTIVE OFFICER 40.0 1.0 X 10649745 0 2042343 MICHAEL H GARRETT VP TREASURER 40.0 0.0 X 343618 0 58554 MICHAEL P HAGGERTY CHIEF OPERATING OFFICER/PRESIDENT CUSO 40.0 1.0 X 922465 0 438969 NICHOLAS E REITZLER VP COMMERCIAL BANKING 40.0 0.0 X 444129 0 53059 RAVI PERUMPARAMBIL CHIEF INFORMATION OFFICER 40.0 0.0 X 728829 0 697643 RICHARD R SCHIER CHIEF MEMBER OFFICER 40.0 0.0 X 580624 0 233768 SCOTT H STRICKLAND PRESIDENT INSURANCE SERVICES 40.0 0.0 X 212350 0 30719 SUSAN R JOHNSON SVP MARKETING 40.0 0.0 X 403135 0 37768 TAMI STOLTENBERG-BARTUNEK VP COMMUNITY DEVELOPMENT & PHILANTHROPY 40.0 0.0 X 136222 0 26366 TERRY A HARLOW VP ENTERPRISE RISK MANAGEMENT 40.0 0.0 X 302575 0 57027 TIMOTHY R SARACINI CHIEF FINANCIAL OFFICER 40.0 0.0 X 949266 0 755313 TIMOTHY S HUEY JR SVP RETAIL BANKING 40.0 0.0 X 411479 0 41858 WALTER W PIRNOT GENERAL COUNSEL 40.0 0.0 X 382028 0 52926 WHITNEY A BARTELLI CHIEF MARKETING & STRATEGY OFFICER 40.0 1.0 X 1147011 0 451240 JAMES P ALDERMAN SENIOR MORTGAGE CONSULTANT 40.0 0.0 X 762798 0 57783 JASON D KEPLER SENIOR MORTGAGE CONSULTANT 40.0 0.0 X 495114 0 63548 JEFFREY S VINEYARD PRIVATE WEALTH ADVISOR 40.0 0.0 X 561845 0 62570 PHILLIP J HOBAN SENIOR COMMERCIAL REAL ESTATE MGR 40.0 0.0 X 678414 0 48107 RANCE J CARLSON PRIVATE WEALTH ADVISOR 40.0 0.0 X 563205 0 55991 26030353 0 6094300 185 false true false H&R BLOCK MANAGEMENT LLC ONE HR BLOCK WAY KANSAS CITY MO 64105 TECHNOLOGY SUPPORT 1867337 CURTIS STRATEGY LLC PO BOX 1526 ANDOVER MA 01810 PROFESSIONAL SERVICES 122570 2 0 INTEREST ON LOANS 522200 200599419 200599419 SERVICE FEES 522100 84146758 83463483 683275 INTEREST ON INVESTMENTS 525990 48638661 48638661 OTHER OPERATING INCOME 900099 3935018 3935018 2505674 3596913 -1091239 0 339825530 0 0 21972801 21972801 0 21972801 21972801 0 0 0 0 0 0 361798331 362206295 -407964 0 905523 28775278 42804714 5154257 9457244 5299093 44454 1613735 295040 2250 21866751 18383766 10874477 17853376 7094951 1555634 858111 98874175 6024258 848068 PROVISION FOR LOAN LOSS 23078007 MISCELLANEOUS OPERATION 9569759 LOAN SERVICING 8363794 DUES AND SUBSCRIPTIONS 1053425 0 320650140 74263581 0 195988949 0 171254 0 5182479 0 0 0 3559052970 0 7753092 0 0 0 74723825 0 969365216 0 52181339 0 37500 0 108168327 0 5046888532 0 14181472 0 2499964 0 4269135942 0 0 0 150000000 0 114428227 0 4550245605 0 X 496642927 0 496642927 0 5046888532 0 X 41148191 -1261075 -536530043 X false false false false false FEDERAL INCOME TAXES OTHER LIABILITIES DEFERRED COMPENSATION ROU LEASE LIABILITY SPECIAL DIVIDENDS TO MEMBERS 0 X 0 0 0 0 0 0 0 0 0 0 0 0 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 OCTOBER 31, 2025, THE CREDIT UNION DOES NOT HAVE ANY MATERIAL UNCERTAIN TAX POSITIONS. true KANSAS CITY KANSAS COMMUNITY COLLEGE 7250 STATE AVE KANSAS CITY KS 66112 480947391 501(C)(3) 200000 GENERAL SUPPORT CHILDREN'S MERCY HOSPITAL 2401 GILLHAM ROAD KANSAS CITY MO 64108 440605373 501(C)(3) 195765 GENERAL SUPPORT 15 AND THE MAHOMIES 8930 WEST SUNSET ROAD LAS VEGAS NV 89148 834134118 501(C)(3) 75000 GENERAL SUPPORT GREATER KANSAS CITY COMMUNITY FOUNDATION 1055 BROADWAY BLVD KANSAS CITY MO 64105 431152398 501(C)(3) 75000 GENERAL SUPPORT GUADALUPE CENTERS INC 1015 AVENIDA CESAR E CHAVEZ KANSAS CITY MO 64108 440610781 501(C)(3) 50000 GENERAL SUPPORT POLICE FOUNDATION OF KANSA CITY PO BOX 25198 KANSAC CITY MO 64119 264145021 501(C)(3) 30000 GENERAL SUPPORT SARAH'S SOLDIERS 9618 NORTH SMALLEY AVENUE KANSAS CITY MO 64157 392312522 501(C)(3) 25000 GENERAL SUPPORT BIG LEAGUE IMPACT INC PO BOX 1620 TEMPE AZ 852801620 463318819 501(C)(3) 20000 GENERAL SUPPORT SEVENDAYS INC 8500 SHAWNEE MISSION PKWY MERRIAM KS 66202 472237780 501(C)(3) 20000 GENERAL SUPPORT THE METROPOLITAN COMMUNITY COLLEGE FOUNDATION 3200 BROADWAY KANSAS CITY MO 641112408 510181875 501(C)(3) 15000 GENERAL SUPPORT UNIVERSITY HEALTH FOUNDATION 2310 HOLMES KANSAS CITY MO 64108 431194064 501(C)(3) 15000 GENERAL SUPPORT BOYS AND GIRLS CLUB OF GREATER KC 4001 DR MARTIN LUTHER KING JR BLVD KANSAS CITY MO 64130 436072065 501(C)(3) 12000 GENERAL SUPPORT CRISTO REY 211 W LINWOOD BOULEVARD KANSAS CITY MO 64111 202842522 501(C)(3) 10000 GENERAL SUPPORT JUNIOR ACHIEVEMENT OF GREATER KANSAS CITY 2842 W 47TH AVENUE KANSAS CITY KS 66103 440604809 501(C)(3) 10000 GENERAL SUPPORT LIFE UNLIMITED INC 320 ARMOUR RD NORTH KANSAS CITY MO 64116 431237483 501(C)(3) 10000 GENERAL SUPPORT NATIONAL CREDIT UNION FOUNDATION 4703 MADISON YARDS WAY MADISON WI 53705 391383650 501(C)(3) 10000 GENERAL SUPPORT URBAN LEAGUE OF METROPOLION ST LOUIS 1408 NORTH KINGSWAY BLVD ST LOUIS MO 63113 430653605 501(C)(3) 10000 GENERAL SUPPORT WOMENS EMPLOYMENT NETWORK 4328 MADISON AVENUE KANSAS CITY MO 64111 431508734 501(C)(3) 10000 GENERAL SUPPORT TEAM UP FOR DOWN SYNDROME PO BOX 23216 OVERLAND PARK KS 66283 232998494 501(C)(3) 7500 GENERAL SUPPORT SUSANNA SMILES INC 2202 SW RED BARN LANE LEES SUMMIT MO 64082 921517774 501(C)(3) 6000 GENERAL SUPPORT 20 0 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 ALYSSA N AKERS VP RISK & BUSINESS ADMINISTRATION 197652 0 69664 0 1474 0 20394 0 12676 0 301860 0 0 0 WHITNEY A BARTELLI CHIEF MARKETING & STRATEGY OFFICER 377715 0 264808 0 504488 0 425326 0 25914 0 1598251 0 500000 0 HEATH T BURCH VP WEALTH MANAGEMENT 331830 0 275205 0 20668 0 31050 0 24584 0 683337 0 0 0 AMY I DOLL SVP ACCOUNTING & FINANCE SERVICES 217527 0 128629 0 1954 0 24966 0 27696 0 400772 0 0 0 MICHAEL H GARRETT VP TREASURER 226447 0 93786 0 23385 0 27087 0 31467 0 402172 0 0 0 KARL J GEISLER SVP DIGITAL STRATEGY & SYSTEMS 273454 0 163376 0 1444 0 31050 0 24814 0 494138 0 0 0 LISA R GINTER CHIEF EXECUTIVE OFFICER 957578 0 882400 0 8809767 0 2016790 0 25553 0 12692088 0 8780752 0 MICHAEL P HAGGERTY CHIEF OPERATING OFFICER/PRESIDENT CUSO 533661 0 378889 0 9915 0 415068 0 23901 0 1361434 0 0 0 TERRY A HARLOW VP ENTERPRISE RISK MANAGEMENT 216452 0 84155 0 1968 0 26424 0 30603 0 359602 0 0 0 DAVID D HECK VP CONSUMER LENDING 146839 0 97289 0 72523 0 25484 0 15715 0 357850 0 0 0 GEORGE HENLEY VP MORTGAGE 56931 0 115274 0 0 0 2192 0 2857 0 177254 0 0 0 TIMOTHY S HUEY JR SVP RETAIL BANKING 251104 0 151350 0 9025 0 12669 0 29189 0 453337 0 0 0 JOHN D JAMES VP COMPLIANCE 150055 0 58182 0 1332 0 18739 0 30758 0 259066 0 0 0 SUSAN R JOHNSON SVP MARKETING 248990 0 149651 0 4494 0 25283 0 12485 0 440903 0 0 0 KAREN S MITCHELL VICE PRESIDENT, AUDIT & COMPLIANCE 183473 0 42193 0 2994 0 19236 0 13410 0 261306 0 0 0 ANITA B NEWTON CHIEF INNOVATION OFFICER 308840 0 198427 0 23164 0 266064 0 27264 0 823759 0 0 0 JACE K NOTEBOOM VP HUMAN RESOURCES 220555 0 56217 0 1306 0 18926 0 10013 0 307017 0 0 0 CARRIE L O'CONNOR SVP CHIEF LENDING OFFICER 212664 0 175858 0 30043 0 31050 0 23539 0 473154 0 0 0 KATHLEEN M O'NEILL PRESIDENT ST. LOUIS MARKET 374578 0 297300 0 34111 0 21000 0 896 0 727885 0 0 0 RAVI PERUMPARAMBIL CHIEF INFORMATION OFFICER 400564 0 300323 0 27942 0 673493 0 24150 0 1426472 0 0 0 WALTER W PIRNOT GENERAL COUNSEL 272014 0 106482 0 3532 0 27425 0 25501 0 434954 0 0 0 NICHOLAS E REITZLER VP COMMERCIAL BANKING 353766 0 88724 0 1639 0 30565 0 22494 0 497188 0 0 0 TIMOTHY R SARACINI CHIEF FINANCIAL OFFICER 504885 0 391573 0 52808 0 723668 0 31645 0 1704579 0 0 0 JULIA SCHALLER CHIEF PEOPLE OFFICER 256167 0 156443 0 27024 0 31350 0 14641 0 485625 0 0 0 RICHARD R SCHIER CHIEF MEMBER OFFICER 306125 0 239527 0 34972 0 202105 0 31663 0 814392 0 0 0 JAI B SHANKAR VP DATA, CRM & INTEGRATION 232553 0 88896 0 3097 0 25373 0 27971 0 377890 0 0 0 TAMI STOLTENBERG-BARTUNEK VP COMMUNITY DEVELOPMENT & PHILANTHROPY 134843 0 75 0 1304 0 8381 0 17985 0 162588 0 0 0 SCOTT H STRICKLAND PRESIDENT INSURANCE SERVICES 152594 0 56820 0 2936 0 18888 0 11831 0 243069 0 0 0 JAMES P ALDERMAN SENIOR MORTGAGE CONSULTANT -35750 0 775048 0 23500 0 31050 0 26733 0 820581 0 0 0 RANCE J CARLSON PRIVATE WEALTH ADVISOR 134035 0 407145 0 22025 0 25582 0 30409 0 619196 0 0 0 PHILLIP J HOBAN SENIOR COMMERCIAL REAL ESTATE MGR 194338 0 482613 0 1463 0 25192 0 22915 0 726521 0 0 0 JASON D KEPLER SENIOR MORTGAGE CONSULTANT -13505 0 507664 0 955 0 31050 0 32498 0 558662 0 0 0 JEFFREY S VINEYARD PRIVATE WEALTH ADVISOR 130616 0 407147 0 24082 0 31050 0 31520 0 624415 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: DAVID D HECK - $68,220 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 - $393,976 LISA GINTER - $1,985,440 MICHAEL HAGGERTY - $382,680 ANITA NEWTON - $234,714 RAVI PERUMPARAMBIL - $642,993 TIMOTHY SARACINI - $692,318 RICHARD SCHIER - $171,055 THE FOLLOWING OFFICER RECEIVED PAYMENTS THAT ARE INCLUDED IN COLUMN B (III) AND COLUMN (F) OF SCHEDULE J, PART II: WHITNEY BARTELLI - $500,000 LISA GINTER - $8,780,752 AMY DOLL OFFICER PERSONAL X 515234 422559 false false true MICHAEL GARRETT OFFICER PERSONAL X 517720 321123 false false true LISA GINTER OFFICER PERSONAL X 808443 648445 false false true RICHARD SCHIER OFFICER PERSONAL X 257316 162313 false false true KARL GEISLER OFFICER PERSONAL X 221000 146014 false false true MICHAEL HAGGERTY OFFICER PERSONAL X 996470 1169545 false false true WHITNEY BARTELLI OFFICER PERSONAL X 1170801 1094364 false false true SUSAN JOHNSON OFFICER PERSONAL X 32496 30487 false false true TIM SARACINI OFFICER PERSONAL X 929 929 false false true RAVI PERUMPARAMBIL OFFICER PERSONAL X 6487 6487 false false true 4002266 CASH & TEMPORARY INVESMENTS 2025-11-01 1179990118 BOOK VALUE 346541032 UNIFY FINANCIAL FCU 2305B W 190TH ST TORRANCE CA 90504 501(C)(1) ACCOUNTS & LOANS RECEIVABLE 2025-11-01 3924771238 BOOK VALUE 346541032 UNIFY FINANCIAL FCU 2305B W 190TH ST TORRANCE CA 90504 501(C)(1) FIXED ASSETS 2025-11-01 92192715 BOOK VALUE 346541032 UNIFY FINANCIAL FCU 2305B W 190TH ST TORRANCE CA 90504 501(C)(1) INVESTMENTS 2025-11-01 1056938883 BOOK VALUE 346541032 UNIFY FINANCIAL FCU 2305B W 190TH ST TORRANCE CA 90504 501(C)(1) OTHER ASSETS 2025-11-01 126700578 BOOK VALUE 346541032 UNIFY FINANCIAL FCU 2305B W 190TH ST TORRANCE CA 90504 501(C)(1) true true false false true true true true false SCHEDULE N, PART I LINES 2A & 2B - INTERESTED PERSON IS A DIRECTOR OR EMPLOYEE OF SUCESSOR ORG DURING THE TAX YEAR, THE ORGANIZATION COMPLETED A MERGER WITH A FEDERAL CREDIT UNION. FOLLOWING THE MERGER, THE ORGANIZATION WILL CONTINUE ITS OPERATIONS UNDER THE FEDERAL CREDIT UNION'S CHARTER. THE DIRECTORS AND OFFICERS OF THE ORGANIZATION CONTINUED ON WITH THE MERGED FEDERAL CREDIT UNION. FORM 990, PART IV, LINE 31 FINAL YEAR RETURN DURING THE TAX YEAR, THE ORGANIZATION COMPLETED A MERGER WITH A FEDERAL CREDIT UNION. FOLLOWING THE MERGER, THE ORGANIZATION WILL CONTINUE ITS OPERATIONS UNDER THE FEDERAL CREDIT UNION'S CHARTER. A FEDERALLY CHARTED CREDIT UNION IS RECOGNIZED UNDER 501(C)(1). THEREFORE, COMMUNITYAMERICA CREDIT UNION WILL NOT BE REQUIRED TO FILE FORM 990 IN FUTURE PERIODS. 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 VIII, LINE 2F OTHER PROGRAM SERVICE REVENUE ALL OTHER PROGRAM SERVICE REVENUE - TOTAL REVENUE: 2505674, RELATED OR EXEMPT FUNCTION REVENUE: 3596913, UNRELATED BUSINESS REVENUE: -1091239, REVENUE EXCLUDED FROM TAX UNDER SECTIONS 512, 513, OR 514: ; FORM 990, PART XI, LINE 9 OTHER CHANGES IN NET ASSETS OR FUND BALANCES CHANGE IN ACCUMULATED OTHER COMPREHENSIVE INCOME - 15880108; ELECTRO CREDIT UNION MERGER - 3444000; CURRENT YEAR CHANGES - NONCONTROLLING INTEREST - 1134135; CAPITAL DISTRIBUTIONS - COMMUNITYAMERICA CUSO ONE, LLC - -7335707; UNIFY FINANCIAL FEDERAL CREDIT UNION MERGER - -XXX-XX-XXXX; TOTAL - -XXX-XX-XXXX; 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. FORM 990, PART XII, LINE 2B AUDIT FINANCIAL STATEMENTS PART XII, LINE 2B IS ANSWERED "NO" BECAUSE THE AUDITED FINANCIAL STATEMENTS COVER THE FULL CALENDAR YEAR JANUARY 1 THROUGH DECEMBER 31, WHILE THE ORGANIZATION'S FINAL FORM 990 TAX RETURN COVERS ONLY THE SHORT PERIOD JANUARY 1 THROUGH OCTOBER 31. COMMUNITYAMERICA CUSO ONE LLC 9777 RIDGE DRIVE LENEXA KS 66219 431925982 HOLDING CO MO -2345763 8267715 CACU COPPER FINANCIAL NETWORK LLC 9777 RIDGE DRIVE LENEXA KS 66219 260046643 SECURITIES MO 13389081 4523143 CA CUSO ONE COMMUNITYAMERICA INSURANCE AGENCY 9777 RIDGE DRIVE LENEXA KS 66219 822394077 INSURANCE MO 1094755 662974 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 -2436053 48458016 false -1088817 true 0.6594 false false false true false false false false false true false false true true true true true false false TRUHOME SOLUTIONS M 175437 FMV TRUHOME SOLUTIONS P 1934157 FMV