Form 990 for tax year 2025

Revenue

Part VIII, the statement of revenue.

• 2a · Program service revenue: INTEREST ON LOANS

  total $200,599,419 · related or exempt $200,599,419

• 2b · Program service revenue: SERVICE FEES

  total $84,146,758 · related or exempt $83,463,483 · unrelated business $683,275

• 2c · Program service revenue: INTEREST ON INVESTMENTS

  total $48,638,661 · related or exempt $48,638,661

• 2d · Program service revenue: OTHER OPERATING INCOME

  total $3,935,018 · related or exempt $3,935,018

• 2f · All other program service revenue

  total $2,505,674 · related or exempt $3,596,913 · unrelated business -$1,091,239 · excluded $0

• 6c · Rental income or loss

  real property $0 · personal property $0

• 7a · Gross sales of assets other than inventory

  securities $21,972,801

• 7c · Gain or loss

  securities $21,972,801 · other assets $0

• 7d · Net gain or loss

  total $21,972,801 · related or exempt $21,972,801

• 8c · Net income from fundraising events

  total $0

• 11d · All other revenue

  total $0 · related or exempt $0 · unrelated business $0 · excluded $0

• 11e · Other revenue, total

  $0

Functional expenses

Part IX, the statement of functional expenses.

• 1 · Grants to domestic organizations and governments

  total $905,523

• 5 · Compensation of officers, directors and key employees

  total $28,775,278

• 7 · Other salaries and wages

  total $42,804,714

• 8 · Pension plan contributions

  total $5,154,257

• 9 · Other employee benefits

  total $9,457,244

• 10 · Payroll taxes

  total $5,299,093

• 11a · Fees: management

  total $44,454

• 11b · Fees: legal

  total $1,613,735

• 11c · Fees: accounting

  total $295,040

• 11f · Fees: investment management

  total $2,250

• 11g · Fees: other

  total $21,866,751

• 12 · Advertising and promotion

  total $18,383,766

• 13 · Office expenses

  total $10,874,477

• 14 · Information technology

  total $17,853,376

• 16 · Occupancy

  total $7,094,951

• 17 · Travel

  total $1,555,634

• 19 · Conferences, conventions and meetings

  total $858,111

• 20 · Interest

  total $98,874,175

• 22 · Depreciation, depletion and amortization

  total $6,024,258

• 23 · Insurance

  total $848,068

• 24a · Other expenses: PROVISION FOR LOAN LOSS

  total $23,078,007

• 24b · Other expenses: MISCELLANEOUS OPERATION

  total $9,569,759

• 24c · Other expenses: LOAN SERVICING

  total $8,363,794

• 24d · Other expenses: DUES AND SUBSCRIPTIONS

  total $1,053,425

• 24e · All other expenses

  total $0

Balance sheet

Part X, book values.

• 1 · Cash, non-interest-bearing

  beginning of year $74,263,581 · end of year $0

• 2 · Savings and temporary cash investments

  beginning of year $195,988,949 · end of year $0

• 4 · Accounts receivable

  beginning of year $171,254 · end of year $0

• 5 · Loans and receivables from officers and key people

  beginning of year $5,182,479 · end of year $0

• 6 · Loans and receivables from disqualified persons

  beginning of year $0 · end of year $0

• 7 · Other notes and loans receivable

  beginning of year $3,559,052,970 · end of year $0

• 9 · Prepaid expenses and deferred charges

  beginning of year $7,753,092 · end of year $0

• 10a · Land, buildings and equipment: cost or other basis

  $0

• 10b · Land, buildings and equipment: accumulated depreciation

  $0

• 10c · Land, buildings and equipment, net

  beginning of year $74,723,825 · end of year $0

• 11 · Investments: publicly traded securities

  beginning of year $969,365,216 · end of year $0

• 12 · Investments: other securities

  beginning of year $52,181,339

• 13 · Investments: program-related

  beginning of year $0

• 14 · Intangible assets

  beginning of year $37,500 · end of year $0

• 15 · Other assets

  beginning of year $108,168,327 · end of year $0

• 17 · Accounts payable and accrued expenses

  beginning of year $14,181,472 · end of year $0

• 19 · Deferred revenue

  beginning of year $2,499,964 · end of year $0

• 21 · Escrow or custodial account liability

  beginning of year $4,269,135,942 · end of year $0

• 22 · Loans and payables to officers and key people

  beginning of year $0 · end of year $0

• 23 · Secured mortgages and notes payable

  beginning of year $150,000,000 · end of year $0

• 25 · Other liabilities

  beginning of year $114,428,227 · end of year $0

• 31 · Retained earnings, endowment or other funds

  beginning of year $496,642,927 · end of year $0

The filer's explanations (Part III)

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

Disregarded entities

Part I: entities that legally are the filer and file no return of their own.

• COMMUNITYAMERICA CUSO ONE LLC

  HOLDING CO · MO · income -$2,345,763 · assets $8,267,715

  Directly controlled by CACU

• COPPER FINANCIAL NETWORK LLC

  SECURITIES · MO · income $13,389,081 · assets $4,523,143

  Directly controlled by CA CUSO ONE

• COMMUNITYAMERICA INSURANCE AGENCY

  INSURANCE · MO · income $1,094,755 · assets $662,974

  Directly controlled by CA CUSO ONE

• CASE LLC

  HOLDING CO · MO · income $0 · assets $0

  Directly controlled by CACU

Related partnerships

Part III: related organizations taxable as a partnership, with the filer's share.

• TRUHOME SOLUTIONS LLC

  RELATED · MORTGAGE SERVICES · MO · 65.94% owned · share of income -$2,436,053 · share of assets $48,458,016 · general or managing partner

  Directly controlled by CUSO ONE LLC