Communityamerica Credit Union (67664), a $5.4B credit union headquartered in Lenexa, KS, led by CEO Ginter, reported $4.8B in member deposits at the end of 2025 Q3, an increase of $529.7M (+12.5%) compared to the same quarter last year.
The credit union's 78.2% loan-to-share ratio represents a balanced approach between deploying deposits into loans and maintaining adequate liquidity.
Net effect: deposit momentum supports loan growth capacity without liquidity strain.
Deposit Composition
Communityamerica Credit Union's deposit portfolio is led by Money Market, comprising 27.1% of total deposits—higher-yield accounts with selective transactions.
Deposit Portfolio Breakdown
| Deposit Type | Balance | % of Total | YoY Growth |
|---|---|---|---|
| Money Market | $1.3B | 27.1% | +39.8% |
| Regular Shares | $1.3B | 26.5% | +1.5% |
| Share Drafts | $1.2B | 25.4% | +7.8% |
| Share Certificates | $870.2M | 18.2% | +4.6% |
| IRA/KEOGH | $124.5M | 2.6% | +6.7% |
| Non-Member Deposits | $9.5M | 0.2% | +0.0% |
Source: NCUA 5300 Call Reports (2025_Q3)
Quarterly Deposit Trends
Robust deposit growth of this magnitude typically reflects competitive dividend rates, successful marketing campaigns, or strong community relationships driving member acquisition.
Quarterly Trend
| Period | Total Deposits | QoQ Change | Avg/Member |
|---|---|---|---|
| 2024 Q2 | $4.2B | $13K | |
| 2024 Q3 | $4.2B | +1.2% | $13K |
| 2024 Q4 | $4.3B | +0.4% | $12K |
| 2025 Q1 | $4.7B | +9.9% | $13K |
| 2025 Q2 | $4.7B | +0.9% | $13K |
| 2025 Q3 | $4.8B | +0.9% | $13K |
Source: NCUA 5300 Call Reports
Member Deposit Metrics
Communityamerica Credit Union serves 380,564 members, an increase of 13.1% year-over-year. The average member deposit of $13K has declined 0.6% compared to last year.
Strong deposit growth combined with member growth indicates successful market expansion and competitive deposit products.
Historical Context: Since the 2008 Crisis
Communityamerica Credit Union's deposit base has grown 308% since Q3 2008, when the financial crisis was at its peak. At that time, the credit union held $1.2B in member deposits serving 182,470 members.
Membership has expanded 109% over this period, demonstrating strong community trust and successful member acquisition.
Peer Comparison
Among 131 credit unions in its $2.7B–$8.2B asset peer group, Communityamerica Credit Union ranks in the 85th percentile for deposit growth. This positions the credit union as a deposit-gathering leader among similarly-sized institutions.
Outlook
With strong deposit momentum, Communityamerica Credit Union appears well-positioned to fund loan growth and maintain competitive member services. Key factors to watch include deposit rate trends, member acquisition costs, and competitive dynamics in the KS market.
Communityamerica Credit Union's Q4 2025 results, expected in early 2026, will provide further insight into whether this deposit growth trajectory can be sustained.
Track This Credit Union
Monitor Communityamerica Credit Union's quarterly deposit performance, member metrics, and share composition with Finleet Terminal.
Data Sources: NCUA 5300 Call Reports (2025_Q3), NCUA Historical Data (2007-present), Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing 2025_Q3 to same quarter prior year. Peer groups defined as credit unions within 50% asset range. Average deposit calculated as total shares and deposits divided by total members.