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RURALCOMMUNITYASSISTANCECORPORATION SUCCESSISNOTFINALFAILUREISNOTFATALITISTHECOURAGETOCONTINUETHATCOUNTS.WINSTONCHURCHILL RCACSMISSIONRCACprovidestechnicalassistancetrainingandfnancingsoruralcommunitiesachievetheirgoalsandvisions.RCACBOARDOFDIRECTORSPresidentElizabethMooreVicePresidentRobertRendonSecretaryAnitaGahimerCrowTreasurerNalaniFujimori-KainaMembersJoeHerringVickieOldman-JohnDavid.ProvostFlorineP.RaitanoDVMJohnSheehanJonTownsendWilliamH.WieseMDRCAC2012ANNUALREPORT QUALITYRESPECTINTEGRITYCOOPERATIONCOMMITMENT romthebeginning.StamembersarecommittedtourtheringRCACsmissionwecareaboutpeopleandarepassionateaboutmakingadierenceinthecommunitieswherewework.Asweenterour35thyearwewillcontinuetoadheretoourvaluesasweocusonnewopportunitiestostrengthenandenrichruralcommunitiesintheWest.TestoriesontheollowingpagesothisannualreportreectRCACscorevaluesandhowtheyimpacttheworkwedoeveryday.lStanleyKeaslingChieExecutiveOfcerIItisapleasuretopresenttheRCAC2012AnnualReport.Wehadaveryproductiveandsuccessulyear.RCACsenvironmentalstaworkedwithmorethan500ruralcommunitiesandtribalgovernmentstoimprovewaterandwastewaterservicesanddeliverednearly300trainingsessions.Tehousingstahelped50organizationsdevelopsel-helphousingintheWestdespiteapoorhousingmarketprovidedmuch-neededhousingcounselingsupporttoanetworkonearly70agenciesinninestatesandsupportedsixorganizationstodeveloprentalhousing.TeLoanFundclosed36loanstotalingmorethan32millionincludingourlargestloanevertotheCrescentCityHarborDistricttorepairdamagecausedbythe2011tsunami.TeseaccomplishmentsreecttheentirestasdeepcommitmenttomakingadierenceinruralAmericaandwhyRCACisagreatplacetowork.Wealsoembarkedonseveralnewinitiativessmallbusinesslendingrentalhousingdevelopmentenergyauditingandvideooperationsandmaintenancemanualproduction.InallotheseeortsstaensuredthatRCACmaintaineditshighqualitystandards.Wealsosustainedexistingandbuiltnewrelationshipswithothertechnicalassistanceproviderstobringthebestresourcesavailabletothecommunitiesweserve.Forexampleweco-sponsoredaruralsymposiumwithNeighborWorksandRuralLISCandjointlyfundedanaordablehousingconstructionloanwiththeNorthernCaliforniaCommunityLoanFund.Oureortsareinspiredbyourrespectorthespiritandvaluesoruralsociety.OurpartnersareinusedwiththosevaluesandtheircommitmenttoimprovingthelivesoruralAmericanschallengesustomaintainthehighestdegreeointegrityinourrelationships.AlloRCACsstathoseintheeldandthosebehindthescenesembodycommitmentcooperationintegrityrespectandqualitycorevaluesthathavebeenrootedinthisorganizationCEOLETTER Homemeansalotitisthecenteroflifeandwetakeprideinkeepingoureldershomescomfortableandsafe.FLOYDTORTALITAEXECUTIVEDIRECTORHOUSINGREHABILITATION BBelowthetoweringAcomaPueblomesainNewMexicomanyadobeandrockhomeshadnoelectricityheatorindoorbathroomsandneededrenovations.FundsfromtheU.S.DepartmentofHousingandUrbanDevelopmentHUDareavailableforthistypeorehabilitationbuttechnicalitieshavekepttribeslikeAcomaromaccessingthem.riballand-usestructurehasstumpedalotononprotssaidEricSchmeidertriballandspecialistattheNewMexicoMortgageFinanceAuthorityaquasi-publicorganizationthatundsafordablehousingthroughoutthestate.Usuallya50-yearleaseholdisrequiredinIndiancountrytoshowownershipandqualiyortheundssaidSchmeider.Tetribedidnotmeettheundingrequirementsandthusneededanalternativelegalarrangementtoaccessundsandnishtherehabilitation.LizBernalRCACruraldevelopmentspecialistnavigatedtheHUDrequirementsandstructuredthearrangementtoallowthetribetouselandassignmentswhichconveyallrealestaterightsexceptownership.RecentlythePueblooAcomaHousingAuthoritynishedtwohomesinstallingwheelchairrampsroll-inshowerssinksnewdoorswindowsinsulationandwiderwalkways.HomemeansalotitisthecenterolieandwetakeprideinkeepingoureldershomescomortableandsaesaidFloydortalitaPueblooAcomaHousingAuthoritysexecutivedirector.SimultaneouslyRCACstrainingandtechnicalassistanceenhancedthehousingauthorityscostestimatingmonitoringandahostoothertechnicalprocedures.Withitsnewcapacityandthesuccessulcompletionotwohomesthehousingauthoritywonan800000IndianCommunityDevelopmentBlockGranttorehabilitatemorehomesonthereservation.Wehave50peopleonthewaitinglistortalitasaid.BernalemphasizedthatthepartnershipbetweenAcomaPueblotheNewMexicoMortgageFinanceAuthorityandRCACreallymadethishappen.TisyearthePueblooAcomaHousingAuthorityalsoishelpinganothertriberehabilitatehomesanunusualagreementintheregion.PueblooLagunaisoursistertribe.Wereregionalizingourservicestohelpourneighborsaidortalita.lHousingrehabilitationinAcomaPueblopreservesaffordablehousingstockBEFOREAFTER JustlikeIwantthebestformykidsIwanttoseeChaparralacleanerandbetterplacetolive.DAVIDCARLOSVOLUNTEERLEADERSHIPTRAINING WithRCACsleadershiptrainingandcontinuedsupportandOlgasexpertisewereamuchstron-gergroupreadytoimplementthisprojectsaidMorenoreerringtoRCACsruraldevelopmentspecialistOlgaMoralestheleadtrainer.MoralesisquicktocreditthegrouporitssuccessTeseleaderswerenominatedbytheircommunity.Teyrededicated.Moraleshelpedtoselectleadershiptrainingparticipantsacilitatedtheworkshopsandcontinuestoconnectthegrouptooutsideresources.NowCarlosMorenoandotherslookorwardtotheirrstcleanupday.RemovingtrashromChap-arralsdustyroadsparksvacantlotsandhomesisonewayoshowingprideandthebeginningoalargerpatternocommunityinvolvement.IrmaCastanedaaUnitedforaCleanChaparralmemberwhoworksasacommunityorganizersaysTerecyclingprogrampromotesasenseoownershipinourcommunitywhichisthebeginningochangethatcomesromus.WesternNewMexicoUniversityhelpedRCACdeveloptheprogramscurriculum.Morethan450peoplein19ruralcommunitieshavecompletedRCACsLeadershipTrainingProgramsince2006.lLeadershiptrainingcatalyzesChaparralrecyclingprojectAAChaparralcommunitygroupcompletedRCACsour-monthintensiveleadershiptrainingandisnowimplementingthesouthernNewMexicocoloniasrstrecyclingprogram.JustlikeIwantthebestormykidsIwanttoseeChaparralacleanerandbetterplacetolivesaidDavidCarlos.CarlosparticipatedintheclassandvolunteerswithUnitedforaCleanChaparralwhichisthenamethegroupselectedduringleadershiptraining.Teunincorporatedtowno20000peoplestraddlesNewMexicosDonaAnaandOterocountiesjustnorthoElPasoexas.Chaparralhasnocentralizedtrashpickupunregulatedgrowthinvitesillegaldumpingandthereislittlelawenorcementtodeterit.TetrashtiresandevendeadanimalsdiscardedonChaparralspublicandprivatelandgalvanizedvolunteereorts.EvangelinaMorenoanotherUnitedforaCleanChaparralmembersaidpreviouscleanupattemptswereshortlivedandepisodic.RCACsleadershiptrainingaddedstructuretothegroupseortsandencouragedperseverance.e11UnitedforaCleanChaparralmembersparticipatedinteambuildingexercisesdiscussedmarketingconfictresolutiongroupcommunicationandoutreach.ClickheretowatchtheUnitedforaCleanChaparralvideo Noteveryoneunderstandshowimportantwaterfrontactivityistogivingthiscommunityitsidentitysenseofpurposeandsenseofplace.TeharborisreallywhatdistinguishesCrescentCity.RICHARDYOUNGHARBORMASTERECONOMICDEVELOPMENT RCACsnancingenabledustogetstartedandpayourcontractorontime.TetightseasonalwindoworconstructionmadethisloancriticalfortheprojectsaidYoung.Tenewdocksaredesignedtosurvivea50-yeartsunamiandwillbemountedonstrongerpilings.Teharborisanattractionitsel.Itpromotestourismtheregionssecondmostimportantindustry.GinaZottolaexecutivedirectorotheCrescentCity-DelNorteCountyChamberoCommercelinksthenewinrastructuretohercitysuture.WhenpeoplegetoHighway101towatchshermenbringintheircatchtheyvisitourshopsgalleriesandrestaurantsandspenddollarsthatcirculateaboutourtimesinourcommunity.Ithelpsabusinessownersponsoralittleleagueteamitgoesroundandround.lCrescentCityHarborreconstructionsupportslocaleconomicdevelopmentFFlankedbystacksomaritimepaperworkHarbor-masterRichardYounglooksouthissecond-oorwindowatshermenpreparingtheirboatsorthemorningdeparture.Heavyconstructionmachinerygroansontheouterdocks.HerefectsNoteveryoneunderstandshowimportantwaterrontactivityistogivingthiscommunityitsidentitysenseopurposeandsenseoplace.TeharborisreallywhatdistinguishesCrescentCity.CrescentCityHarborstillunderconstructiontorepairdamagefroma2006stormagainsueredmajordamageromthe2011tsunamiatertheJapaneseearthquake.RCACsloanundprovideda3.7milliongaploanand8.1millionrevolvinglineocreditwhichallowedtheprojecttostartatthebeginningotheconstructionseasonlastyearandkepttheprojectfowingbetweenreimburse-mentsromederalandstatedisasterunding.RepairingtheharboramajorcommercialshingportorDelNorteCountyandNorthernCaliorniaisurgentinacountywith13.5percentunemploymentandamedianhouseholdincomeo20133.wohundredjobsdependdirectlyonharboracilitiesandanother100jobsindirectly.RCACnancingwasvitaltorestoringthelocalshingandtourismindustries.ClickheretowatchtheRebuildingofCrescentCityvideo ENVIRONMENTALINFRASTRUCTUREImaformertribaloperatorandIwishIdhadthistool.RICKEYWRIGHTINDIANHEALTHSERVICE SmallwatersystemoperatorsmakesureequipmentisworkingprovidelubricationandadjustmentsmonitorsystemsthataddchemicalsandltercontaminantsensurenishedwatermeetsdrinkingwaterstandardsandinteracewithresourceproviderslikeRCACtokeepsaedrinkingwaterfowingtotheircommunities.RCACsoperationsandmaintenanceOMmanualsprovideruralwatersystemoperatorswithin-depthinstructiononhowtooperatetheirwatersystems.Tenishedproductisaneatlyorganizedbinderwithanaccompanyingvideothatexplainsinaneasytounderstandapproachkeyelementsoday-to-dayoperationsandmaintenance.TeOMmanualiseasiertounderstandthanthetechnicalmanualsandthevideodemonstratesthephysicaltasksorunningthewaterplant.ImaormertribaloperatorandIwishIdhadthistoolsaidRickeyWrightnowattheIndianHealthSer-viceaboutthevideos.IttakesalargeskillsettorunasmallsystemsaidLeeScheggRCACengineerandleadwriterfortheOMmanuals.Eachplantsidiosyncrasiesdemandcustomizedoperationsmanualsandtrain-ing.ScheggexplainswoplantslikethoseattheCampoIndianReservationsoutheastoSanDiegoandBigSandyRancheriaoutsideoFresnohavetheoreticallyidenticalprocessesbutactorslikerawInnovativevideoandmanualkeepswaterflowinginruralcommunitieswaterqualitywelllocationvolumeeventempera-turemakeitsothatoneoperatorcouldntwalkintotheotherplantandoperateitimmediately.Tatiswhyeachvideoisshoton-locationwithtribaloperatorslocalserviceprovidersandmanuacturersrepsdescribingthesystemoncamera.EngineerslikeScheggwritethemanualonlyatertouringtheacilitytakingphotographsandnotesandinterviewingoperatorsandthecontractorswhobuiltthesystem.Eachvideoandwrittenmanualisuniqueandspecictoonesystem.Tevideosprovideamulti-mediatrainingtooltohelpcombathighturnoverratesBigSandyRancheriahadsixoperatorsinthreeyearswhichtypicallymeanhard-earnedlessonsotenleavewiththeoperator.Tiscanbedangeroustowatercon-sumersandcanbeadrainontribalbudgets.DaveWallisatribalcircuitriderorRCACpointsoutthatoperatorsareotenlearningonthejobandaburntupwellpumpcouldcost15000torepair.RCACoperationsandmaintenancemanualsandvideoshesaidpreemptthemostcommonlessonslearnedintheschoolohardknocks.lIImaginelearninghowtodrivejustbyexaminingpicturesocarburetorsandpistons.Operatingawatersystemisevenmorecomplexthandrivingyetmanynewoperatorsreceivelittlemorethanmanuacturersdiagramsandaquicktourothemachinerybeoretheybegintooperatetheirutilities. TRAININGYoumeetotherpeoplefromtheeldswapstoriesandwalkawaylearningnewthings.JESSICABENA DrinkingwaterworkshopsimprovewatersystemperformanceacrossCaliforniaTeworkshopsenhancetechnicalmanagerialandnancialmanagementcapacityprepareoperatorsorhighercerticationlevelsandteachsystemboardmembersabouttopicsincludingassetmanagementbudgetpreparationsandethics.WithworkshopsromReddingtoSanDiegotheseriesgeographiccoverageisascomprehensiveasitstopics.Manyothetrainingsarealsooeredonline.Onlinetrainingsletruraloperatorsearncontacthoursremotely.okeeponlineparticipantsengagedRCACtrainersusepicturesandgraphicsaudiencepollsandasktext-entryquestions.Alltrainingsin-personoronlinewhetherocusedonarsenicandnitratesorbig-picturenancialsaretailoredtotheparticipants.EngagingsomanywatersystemoperatorsmanagersandboardmembersandmakingthempartothetrainingenhancesthelearningexperienceoreveryoneandhelpsdeliversaedrinkingwatertoruralCaliornia.AsWorthenpointsoutthereisarmoreexperiencesittingintheroomthanstandingattheront.lUUnidirectionalwatermainfushingacomplextechniqueorcleaningwaterpipesisdifculttoexplaininaPowerPointpresentation.InsteadataCaliorniaDrinkingWaterWorkshopinHealdsburggroupsowatersystemoperatorshuddlearounddiagramsandrole-playopeningandclosingvalvesusingimaginarypressuretoushoutchlorinebuildupandbrownwater.JessicaBenaaNorthMarinWaterDistrictlabtechnicianwhousuallyspendsherdayscollectingandanalyzingwatersamplessaidItisonethingtoreadslidesandquiteanothertothinkthroughasituationandhearotherpeoplesperspectives.Idenitelyretainmore.TeCaliorniaDepartmentoPublicHealthSaeDrinkingWaterStateRevolvingFundundedRCACtoconductmorethan110trainingworkshopslastyear.AteamoexperiencedtrainersdesignsallotheDrinkingWaterWorkshopstobeinteractiveatechniquethathelpsparticipantsretaintheinormation.NeilWorthenanRCACtrainersaidthatregardlessothetopicWetrytoavoiddeathbyPowerPoint.Participantsgetthecontacthourstheyneedtomaintaincerticationandtheopportunitytonetwork.YoumeetotherpeopleromtheeldswapstoriesandwalkawaylearningnewthingsBenaadded. ThefollowingisasummaryofinformationcontainedinRCACsannualfinancialstatements.Completefinancialstatementswiththeassociatedindependentauditorsreportareavailableatwww.rcac.org.FY2012and2011FINANCIALINFORMATIONCondensedBalanceSheetsAsofSeptember3020122011AssetsCashandinvestments2598799026033007Cash-heldintrust8314488329Loansreceivablenet4705349245860994Otherreceivables29090883824345Fixedassets27901132949117Otherassets22712651811721Totalassets8102026280967513LiabilitiesandnetassetsAccountspayableaccruedliabilities31176812062624Trustfundspayable8314488329Grantspayable10954182417946Notesandbondspayable5286269653001572Totalliabilities5708410957970471Totalnetassets2393615322997042Totalliabilitiesandnetassets8102026280967513CondensedStatementsofActivityForthe12monthsendingSeptember3020122011RevenueGrantsandcontracts994671014657360Loanfeesandinterest31094602591099Investmentincome27311867928Other779610313188Totalrevenue1410889817629575ExpensesLoanfund29412862410755Housingandcommunity34062223490163Environmentalservices37001704859453Otherprograms804805467903Rentaloperations114908144129Managementandgeneral22023962457049Totalexpenses1316978713829452Increasedecreaseinnetassets9391113800123ConsistingofChangeinunrestrictednetassets1793677203760Changeintemporarilyrestrictednetassets85456635963639391113800123 2012FUNDERSPRIVATEAccessibleSpaceInc.AordableHousingManagementAssociationoNorthernCaliorniaNevadaandHawaiiAllyBankAmericanExpressAmericanInternationalGroupAmericanSavingsBankArchitectsHawaiiLtd.BankoAmericaCharitableFoundationBankotheWestBigSandyRancheriaCaliforniaBankTrustCalvertFoundationCampoBandoMissionIndiansCanterburyLLCCare66CatholicHealthInitiativesCentralPacicBankCharlesSchwabBankColdSpringsRancheriaColorCountryCommunityHousingInc.ComericaBankCommunitiesatWorkFundLPCommunityActionPartnershipoNorthwestMontanaCommunityandShelterAssistanceCorporationoOregonCommunityEconomicsInc.CommunityWaterCenterDignityHealthDominicanSistersoHopeEAHHousingEasternMunicipalWaterDistrictEasternResearchGroupInc.EnterpriseCommunityPartnersEpiscopalChurchFederalHomeLoanBankofSanFranciscoFederalHomeLoanBankofSeattleFordFoundationGoldbeltInc.HDSupplyHighlandPropertyDevelopmentLLCHonsadorLumberLLCHousingAssistanceCouncilHousingCaliorniaHuntCompaniesJohnD.andCatherine.MacArthurFoundationJPMorganChaseBankN.A.LaPineSpecialSewerDistrictandLaPineWaterDistrictLocalInitiativesSupportCorporationMercyInvestmentServicesInc.MerrickBankCorporationMGMGrandMichaelsDevelopmentCompanyMonarchCommunityFundLLCMorganStanleyBankNaKupaaOKuhioNativeHomeCapitalNeighborworksAmericaNewsedCDCInc.OpportunityFinancialNetworkPacicRimBankPasoDelNorteFoundationPlazaHotelandCasinoRabobankRedwoodValleyRancheriaReligiousCommunitiesInvestmentFundInc.RuralCommunityAssistancePartnershipInc.RuralWaterSachsFoundationSacramentoHousingAllianceSandyAcresSistersotheHolyCrossInc.SouthernIndianHealthCouncilSt.JosephHealthSystemStarbucksStratusConsultingahoeWaterSuppliersAssociationTeCaliorniaEndowmentTeCongregationotheSistersoCharityotheIncarnateWordTeFBHeronFoundationTeSistersoSt.FrancisoPhiladelphiari-CityRegionalSanitaryDistrictrinityHealthCorporationUSBankWellsFargoBankWestYostAssociatesWNCAssociatesInc.U.S.GOVERNMENTFederalReserveBankoSanFranciscoU.S.Dept.ofAgricultureRuralDevelopmentU.S.Dept.ofEnvironmentalProtectionAgencyU.S.Dept.ofHealthHumanServicesU.S.Dept.ofHousingUrbanDevelopmentU.S.Dept.ofLaborU.S.Dept.oftheTreasuryCapitalMagnetFundU.S.Dept.oftheTreasuryCDFIFundU.S.Dept.oftheTreasurySBLFSTATELOCALANDTRIBALCaliorniaDept.oCommunityServicesDevelopmentCaliorniaDept.oPublicHealthCaliorniaHousingFinanceAuthorityCaliorniaRuralWaterAssociationCityofEnterpriseOregonCityofGrangerWashingtonCityofLaPineOregonCityofMabtonWashingtonCountyofHumboldtCaliforniaDaggettCountyUtahGeneralServicesAdministrationHawaiiAgriculturalResearchCenterHawaiianLegacyHardwoodsLLCIdahoDept.oEnvironmentalQualityMinnesotaHousingPartnershipNewMexicoMortgageFinanceAuthorityOfceoHawaiianAairsSanPasqualBandoMissionIndiansStateoHawaiiDept.oHealthorres-MartinezribeTownofGrangerWyomingUtahHousingCorporationWashingtonDept.oHealthRCAC2012ANNUALREPORTRCACthanksthefollowingfundersandinvestorsforsupportingitswork. ABOUTTHISREPORTJeremyRaFrontcoverpage12367topphoto8topphoto9131516rightandleftphotosElizabethBernalPage5DustinLoveInsidefrontcoverandbackcoverAngelaHengelInsidebackcoverU.S.SenateDemocraticSteeringandOutreachCommitteeCourtesyOceofSen.TomUdallPage4bottomphotoBryantAndersoneTriplicatePage8bottomphotoCallieMcIntoshPage16centerphotoJeremyRafSharonWillsAngelaTerryDustinLoveKayMulliganToniAnneSmithSmithtonianGraphicDesignPhotographyWriterProducersGraphicDesignwww.rcac.org WITHTHENEWDAYCOMESNEWSTRENGTHANDNEWTHOUGHTS.ELEANORROOSEVELT 3120FreeboardDriveSuite201WestSacramentoCaliornia95691916447-2854Ofce916447-2878FaxSubscribetoRCACsreepublicationsatwww.rcac.orgFindusonFacebookathttpwww.facebook.comRCAC.orgPrintedonpapercontainingaminimum25percentpostconsumerfbers
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RURALCOMMUNITYASSISTANCECORPORATION SUCCESSISNOTFINALFAILUREISNOTFATALITISTHECOURAGETOCONTINUETHATCOUNTS.WINSTONCHURCHILL RCACSMISSIONRCACprovidestechnicalassistancetrainingandfnancingsoruralcommunitiesachievetheirgoalsandvisions.RCACBOARDOFDIRECTORSPresidentElizabethMooreVicePresidentRobertRendonSecretaryAnitaGahimerCrowTreasurerNalaniFujimori-KainaMembersJoeHerringVickieOldman-JohnDavid.ProvostFlorineP.RaitanoDVMJohnSheehanJonTownsendWilliamH.WieseMDRCAC2012ANNUALREPORT QUALITYRESPECTINTEGRITYCOOPERATIONCOMMITMENT romthebeginning.StamembersarecommittedtourtheringRCACsmissionwecareaboutpeopleandarepassionateaboutmakingadierenceinthecommunitieswherewework.Asweenterour35thyearwewillcontinuetoadheretoourvaluesasweocusonnewopportunitiestostrengthenandenrichruralcommunitiesintheWest.TestoriesontheollowingpagesothisannualreportreectRCACscorevaluesandhowtheyimpacttheworkwedoeveryday.lStanleyKeaslingChieExecutiveOfcerIItisapleasuretopresenttheRCAC2012AnnualReport.Wehadaveryproductiveandsuccessulyear.RCACsenvironmentalstaworkedwithmorethan500ruralcommunitiesandtribalgovernmentstoimprovewaterandwastewaterservicesanddeliverednearly300trainingsessions.Tehousingstahelped50organizationsdevelopsel-helphousingintheWestdespiteapoorhousingmarketprovidedmuch-neededhousingcounselingsupporttoanetworkonearly70agenciesinninestatesandsupportedsixorganizationstodeveloprentalhousing.TeLoanFundclosed36loanstotalingmorethan32millionincludingourlargestloanevertotheCrescentCityHarborDistricttorepairdamagecausedbythe2011tsunami.TeseaccomplishmentsreecttheentirestasdeepcommitmenttomakingadierenceinruralAmericaandwhyRCACisagreatplacetowork.Wealsoembarkedonseveralnewinitiativessmallbusinesslendingrentalhousingdevelopmentenergyauditingandvideooperationsandmaintenancemanualproduction.InallotheseeortsstaensuredthatRCACmaintaineditshighqualitystandards.Wealsosustainedexistingandbuiltnewrelationshipswithothertechnicalassistanceproviderstobringthebestresourcesavailabletothecommunitiesweserve.Forexampleweco-sponsoredaruralsymposiumwithNeighborWorksandRuralLISCandjointlyfundedanaordablehousingconstructionloanwiththeNorthernCaliforniaCommunityLoanFund.Oureortsareinspiredbyourrespectorthespiritandvaluesoruralsociety.OurpartnersareinusedwiththosevaluesandtheircommitmenttoimprovingthelivesoruralAmericanschallengesustomaintainthehighestdegreeointegrityinourrelationships.AlloRCACsstathoseintheeldandthosebehindthescenesembodycommitmentcooperationintegrityrespectandqualitycorevaluesthathavebeenrootedinthisorganizationCEOLETTER Homemeansalotitisthecenteroflifeandwetakeprideinkeepingoureldershomescomfortableandsafe.FLOYDTORTALITAEXECUTIVEDIRECTORHOUSINGREHABILITATION BBelowthetoweringAcomaPueblomesainNewMexicomanyadobeandrockhomeshadnoelectricityheatorindoorbathroomsandneededrenovations.FundsfromtheU.S.DepartmentofHousingandUrbanDevelopmentHUDareavailableforthistypeorehabilitationbuttechnicalitieshavekepttribeslikeAcomaromaccessingthem.riballand-usestructurehasstumpedalotononprotssaidEricSchmeidertriballandspecialistattheNewMexicoMortgageFinanceAuthorityaquasi-publicorganizationthatundsafordablehousingthroughoutthestate.Usuallya50-yearleaseholdisrequiredinIndiancountrytoshowownershipandqualiyortheundssaidSchmeider.Tetribedidnotmeettheundingrequirementsandthusneededanalternativelegalarrangementtoaccessundsandnishtherehabilitation.LizBernalRCACruraldevelopmentspecialistnavigatedtheHUDrequirementsandstructuredthearrangementtoallowthetribetouselandassignmentswhichconveyallrealestaterightsexceptownership.RecentlythePueblooAcomaHousingAuthoritynishedtwohomesinstallingwheelchairrampsroll-inshowerssinksnewdoorswindowsinsulationandwiderwalkways.HomemeansalotitisthecenterolieandwetakeprideinkeepingoureldershomescomortableandsaesaidFloydortalitaPueblooAcomaHousingAuthoritysexecutivedirector.SimultaneouslyRCACstrainingandtechnicalassistanceenhancedthehousingauthorityscostestimatingmonitoringandahostoothertechnicalprocedures.Withitsnewcapacityandthesuccessulcompletionotwohomesthehousingauthoritywonan800000IndianCommunityDevelopmentBlockGranttorehabilitatemorehomesonthereservation.Wehave50peopleonthewaitinglistortalitasaid.BernalemphasizedthatthepartnershipbetweenAcomaPueblotheNewMexicoMortgageFinanceAuthorityandRCACreallymadethishappen.TisyearthePueblooAcomaHousingAuthorityalsoishelpinganothertriberehabilitatehomesanunusualagreementintheregion.PueblooLagunaisoursistertribe.Wereregionalizingourservicestohelpourneighborsaidortalita.lHousingrehabilitationinAcomaPueblopreservesaffordablehousingstockBEFOREAFTER JustlikeIwantthebestformykidsIwanttoseeChaparralacleanerandbetterplacetolive.DAVIDCARLOSVOLUNTEERLEADERSHIPTRAINING WithRCACsleadershiptrainingandcontinuedsupportandOlgasexpertisewereamuchstron-gergroupreadytoimplementthisprojectsaidMorenoreerringtoRCACsruraldevelopmentspecialistOlgaMoralestheleadtrainer.MoralesisquicktocreditthegrouporitssuccessTeseleaderswerenominatedbytheircommunity.Teyrededicated.Moraleshelpedtoselectleadershiptrainingparticipantsacilitatedtheworkshopsandcontinuestoconnectthegrouptooutsideresources.NowCarlosMorenoandotherslookorwardtotheirrstcleanupday.RemovingtrashromChap-arralsdustyroadsparksvacantlotsandhomesisonewayoshowingprideandthebeginningoalargerpatternocommunityinvolvement.IrmaCastanedaaUnitedforaCleanChaparralmemberwhoworksasacommunityorganizersaysTerecyclingprogrampromotesasenseoownershipinourcommunitywhichisthebeginningochangethatcomesromus.WesternNewMexicoUniversityhelpedRCACdeveloptheprogramscurriculum.Morethan450peoplein19ruralcommunitieshavecompletedRCACsLeadershipTrainingProgramsince2006.lLeadershiptrainingcatalyzesChaparralrecyclingprojectAAChaparralcommunitygroupcompletedRCACsour-monthintensiveleadershiptrainingandisnowimplementingthesouthernNewMexicocoloniasrstrecyclingprogram.JustlikeIwantthebestormykidsIwanttoseeChaparralacleanerandbetterplacetolivesaidDavidCarlos.CarlosparticipatedintheclassandvolunteerswithUnitedforaCleanChaparralwhichisthenamethegroupselectedduringleadershiptraining.Teunincorporatedtowno20000peoplestraddlesNewMexicosDonaAnaandOterocountiesjustnorthoElPasoexas.Chaparralhasnocentralizedtrashpickupunregulatedgrowthinvitesillegaldumpingandthereislittlelawenorcementtodeterit.TetrashtiresandevendeadanimalsdiscardedonChaparralspublicandprivatelandgalvanizedvolunteereorts.EvangelinaMorenoanotherUnitedforaCleanChaparralmembersaidpreviouscleanupattemptswereshortlivedandepisodic.RCACsleadershiptrainingaddedstructuretothegroupseortsandencouragedperseverance.e11UnitedforaCleanChaparralmembersparticipatedinteambuildingexercisesdiscussedmarketingconfictresolutiongroupcommunicationandoutreach.ClickheretowatchtheUnitedforaCleanChaparralvideo Noteveryoneunderstandshowimportantwaterfrontactivityistogivingthiscommunityitsidentitysenseofpurposeandsenseofplace.TeharborisreallywhatdistinguishesCrescentCity.RICHARDYOUNGHARBORMASTERECONOMICDEVELOPMENT RCACsnancingenabledustogetstartedandpayourcontractorontime.TetightseasonalwindoworconstructionmadethisloancriticalfortheprojectsaidYoung.Tenewdocksaredesignedtosurvivea50-yeartsunamiandwillbemountedonstrongerpilings.Teharborisanattractionitsel.Itpromotestourismtheregionssecondmostimportantindustry.GinaZottolaexecutivedirectorotheCrescentCity-DelNorteCountyChamberoCommercelinksthenewinrastructuretohercitysuture.WhenpeoplegetoHighway101towatchshermenbringintheircatchtheyvisitourshopsgalleriesandrestaurantsandspenddollarsthatcirculateaboutourtimesinourcommunity.Ithelpsabusinessownersponsoralittleleagueteamitgoesroundandround.lCrescentCityHarborreconstructionsupportslocaleconomicdevelopmentFFlankedbystacksomaritimepaperworkHarbor-masterRichardYounglooksouthissecond-oorwindowatshermenpreparingtheirboatsorthemorningdeparture.Heavyconstructionmachinerygroansontheouterdocks.HerefectsNoteveryoneunderstandshowimportantwaterrontactivityistogivingthiscommunityitsidentitysenseopurposeandsenseoplace.TeharborisreallywhatdistinguishesCrescentCity.CrescentCityHarborstillunderconstructiontorepairdamagefroma2006stormagainsueredmajordamageromthe2011tsunamiatertheJapaneseearthquake.RCACsloanundprovideda3.7milliongaploanand8.1millionrevolvinglineocreditwhichallowedtheprojecttostartatthebeginningotheconstructionseasonlastyearandkepttheprojectfowingbetweenreimburse-mentsromederalandstatedisasterunding.RepairingtheharboramajorcommercialshingportorDelNorteCountyandNorthernCaliorniaisurgentinacountywith13.5percentunemploymentandamedianhouseholdincomeo20133.wohundredjobsdependdirectlyonharboracilitiesandanother100jobsindirectly.RCACnancingwasvitaltorestoringthelocalshingandtourismindustries.ClickheretowatchtheRebuildingofCrescentCityvideo ENVIRONMENTALINFRASTRUCTUREImaformertribaloperatorandIwishIdhadthistool.RICKEYWRIGHTINDIANHEALTHSERVICE SmallwatersystemoperatorsmakesureequipmentisworkingprovidelubricationandadjustmentsmonitorsystemsthataddchemicalsandltercontaminantsensurenishedwatermeetsdrinkingwaterstandardsandinteracewithresourceproviderslikeRCACtokeepsaedrinkingwaterfowingtotheircommunities.RCACsoperationsandmaintenanceOMmanualsprovideruralwatersystemoperatorswithin-depthinstructiononhowtooperatetheirwatersystems.Tenishedproductisaneatlyorganizedbinderwithanaccompanyingvideothatexplainsinaneasytounderstandapproachkeyelementsoday-to-dayoperationsandmaintenance.TeOMmanualiseasiertounderstandthanthetechnicalmanualsandthevideodemonstratesthephysicaltasksorunningthewaterplant.ImaormertribaloperatorandIwishIdhadthistoolsaidRickeyWrightnowattheIndianHealthSer-viceaboutthevideos.IttakesalargeskillsettorunasmallsystemsaidLeeScheggRCACengineerandleadwriterfortheOMmanuals.Eachplantsidiosyncrasiesdemandcustomizedoperationsmanualsandtrain-ing.ScheggexplainswoplantslikethoseattheCampoIndianReservationsoutheastoSanDiegoandBigSandyRancheriaoutsideoFresnohavetheoreticallyidenticalprocessesbutactorslikerawInnovativevideoandmanualkeepswaterflowinginruralcommunitieswaterqualitywelllocationvolumeeventempera-turemakeitsothatoneoperatorcouldntwalkintotheotherplantandoperateitimmediately.Tatiswhyeachvideoisshoton-locationwithtribaloperatorslocalserviceprovidersandmanuacturersrepsdescribingthesystemoncamera.EngineerslikeScheggwritethemanualonlyatertouringtheacilitytakingphotographsandnotesandinterviewingoperatorsandthecontractorswhobuiltthesystem.Eachvideoandwrittenmanualisuniqueandspecictoonesystem.Tevideosprovideamulti-mediatrainingtooltohelpcombathighturnoverratesBigSandyRancheriahadsixoperatorsinthreeyearswhichtypicallymeanhard-earnedlessonsotenleavewiththeoperator.Tiscanbedangeroustowatercon-sumersandcanbeadrainontribalbudgets.DaveWallisatribalcircuitriderorRCACpointsoutthatoperatorsareotenlearningonthejobandaburntupwellpumpcouldcost15000torepair.RCACoperationsandmaintenancemanualsandvideoshesaidpreemptthemostcommonlessonslearnedintheschoolohardknocks.lIImaginelearninghowtodrivejustbyexaminingpicturesocarburetorsandpistons.Operatingawatersystemisevenmorecomplexthandrivingyetmanynewoperatorsreceivelittlemorethanmanuacturersdiagramsandaquicktourothemachinerybeoretheybegintooperatetheirutilities. TRAININGYoumeetotherpeoplefromtheeldswapstoriesandwalkawaylearningnewthings.JESSICABENA DrinkingwaterworkshopsimprovewatersystemperformanceacrossCaliforniaTeworkshopsenhancetechnicalmanagerialandnancialmanagementcapacityprepareoperatorsorhighercerticationlevelsandteachsystemboardmembersabouttopicsincludingassetmanagementbudgetpreparationsandethics.WithworkshopsromReddingtoSanDiegotheseriesgeographiccoverageisascomprehensiveasitstopics.Manyothetrainingsarealsooeredonline.Onlinetrainingsletruraloperatorsearncontacthoursremotely.okeeponlineparticipantsengagedRCACtrainersusepicturesandgraphicsaudiencepollsandasktext-entryquestions.Alltrainingsin-personoronlinewhetherocusedonarsenicandnitratesorbig-picturenancialsaretailoredtotheparticipants.EngagingsomanywatersystemoperatorsmanagersandboardmembersandmakingthempartothetrainingenhancesthelearningexperienceoreveryoneandhelpsdeliversaedrinkingwatertoruralCaliornia.AsWorthenpointsoutthereisarmoreexperiencesittingintheroomthanstandingattheront.lUUnidirectionalwatermainfushingacomplextechniqueorcleaningwaterpipesisdifculttoexplaininaPowerPointpresentation.InsteadataCaliorniaDrinkingWaterWorkshopinHealdsburggroupsowatersystemoperatorshuddlearounddiagramsandrole-playopeningandclosingvalvesusingimaginarypressuretoushoutchlorinebuildupandbrownwater.JessicaBenaaNorthMarinWaterDistrictlabtechnicianwhousuallyspendsherdayscollectingandanalyzingwatersamplessaidItisonethingtoreadslidesandquiteanothertothinkthroughasituationandhearotherpeoplesperspectives.Idenitelyretainmore.TeCaliorniaDepartmentoPublicHealthSaeDrinkingWaterStateRevolvingFundundedRCACtoconductmorethan110trainingworkshopslastyear.AteamoexperiencedtrainersdesignsallotheDrinkingWaterWorkshopstobeinteractiveatechniquethathelpsparticipantsretaintheinormation.NeilWorthenanRCACtrainersaidthatregardlessothetopicWetrytoavoiddeathbyPowerPoint.Participantsgetthecontacthourstheyneedtomaintaincerticationandtheopportunitytonetwork.YoumeetotherpeopleromtheeldswapstoriesandwalkawaylearningnewthingsBenaadded. ThefollowingisasummaryofinformationcontainedinRCACsannualfinancialstatements.Completefinancialstatementswiththeassociatedindependentauditorsreportareavailableatwww.rcac.org.FY2012and2011FINANCIALINFORMATIONCondensedBalanceSheetsAsofSeptember3020122011AssetsCashandinvestments2598799026033007Cash-heldintrust8314488329Loansreceivablenet4705349245860994Otherreceivables29090883824345Fixedassets27901132949117Otherassets22712651811721Totalassets8102026280967513LiabilitiesandnetassetsAccountspayableaccruedliabilities31176812062624Trustfundspayable8314488329Grantspayable10954182417946Notesandbondspayable5286269653001572Totalliabilities5708410957970471Totalnetassets2393615322997042Totalliabilitiesandnetassets8102026280967513CondensedStatementsofActivityForthe12monthsendingSeptember3020122011RevenueGrantsandcontracts994671014657360Loanfeesandinterest31094602591099Investmentincome27311867928Other779610313188Totalrevenue1410889817629575ExpensesLoanfund29412862410755Housingandcommunity34062223490163Environmentalservices37001704859453Otherprograms804805467903Rentaloperations114908144129Managementandgeneral22023962457049Totalexpenses1316978713829452Increasedecreaseinnetassets9391113800123ConsistingofChangeinunrestrictednetassets1793677203760Changeintemporarilyrestrictednetassets85456635963639391113800123 2012FUNDERSPRIVATEAccessibleSpaceInc.AordableHousingManagementAssociationoNorthernCaliorniaNevadaandHawaiiAllyBankAmericanExpressAmericanInternationalGroupAmericanSavingsBankArchitectsHawaiiLtd.BankoAmericaCharitableFoundationBankotheWestBigSandyRancheriaCaliforniaBankTrustCalvertFoundationCampoBandoMissionIndiansCanterburyLLCCare66CatholicHealthInitiativesCentralPacicBankCharlesSchwabBankColdSpringsRancheriaColorCountryCommunityHousingInc.ComericaBankCommunitiesatWorkFundLPCommunityActionPartnershipoNorthwestMontanaCommunityandShelterAssistanceCorporationoOregonCommunityEconomicsInc.CommunityWaterCenterDignityHealthDominicanSistersoHopeEAHHousingEasternMunicipalWaterDistrictEasternResearchGroupInc.EnterpriseCommunityPartnersEpiscopalChurchFederalHomeLoanBankofSanFranciscoFederalHomeLoanBankofSeattleFordFoundationGoldbeltInc.HDSupplyHighlandPropertyDevelopmentLLCHonsadorLumberLLCHousingAssistanceCouncilHousingCaliorniaHuntCompaniesJohnD.andCatherine.MacArthurFoundationJPMorganChaseBankN.A.LaPineSpecialSewerDistrictandLaPineWaterDistrictLocalInitiativesSupportCorporationMercyInvestmentServicesInc.MerrickBankCorporationMGMGrandMichaelsDevelopmentCompanyMonarchCommunityFundLLCMorganStanleyBankNaKupaaOKuhioNativeHomeCapitalNeighborworksAmericaNewsedCDCInc.OpportunityFinancialNetworkPacicRimBankPasoDelNorteFoundationPlazaHotelandCasinoRabobankRedwoodValleyRancheriaReligiousCommunitiesInvestmentFundInc.RuralCommunityAssistancePartnershipInc.RuralWaterSachsFoundationSacramentoHousingAllianceSandyAcresSistersotheHolyCrossInc.SouthernIndianHealthCouncilSt.JosephHealthSystemStarbucksStratusConsultingahoeWaterSuppliersAssociationTeCaliorniaEndowmentTeCongregationotheSistersoCharityotheIncarnateWordTeFBHeronFoundationTeSistersoSt.FrancisoPhiladelphiari-CityRegionalSanitaryDistrictrinityHealthCorporationUSBankWellsFargoBankWestYostAssociatesWNCAssociatesInc.U.S.GOVERNMENTFederalReserveBankoSanFranciscoU.S.Dept.ofAgricultureRuralDevelopmentU.S.Dept.ofEnvironmentalProtectionAgencyU.S.Dept.ofHealthHumanServicesU.S.Dept.ofHousingUrbanDevelopmentU.S.Dept.ofLaborU.S.Dept.oftheTreasuryCapitalMagnetFundU.S.Dept.oftheTreasuryCDFIFundU.S.Dept.oftheTreasurySBLFSTATELOCALANDTRIBALCaliorniaDept.oCommunityServicesDevelopmentCaliorniaDept.oPublicHealthCaliorniaHousingFinanceAuthorityCaliorniaRuralWaterAssociationCityofEnterpriseOregonCityofGrangerWashingtonCityofLaPineOregonCityofMabtonWashingtonCountyofHumboldtCaliforniaDaggettCountyUtahGeneralServicesAdministrationHawaiiAgriculturalResearchCenterHawaiianLegacyHardwoodsLLCIdahoDept.oEnvironmentalQualityMinnesotaHousingPartnershipNewMexicoMortgageFinanceAuthorityOfceoHawaiianAairsSanPasqualBandoMissionIndiansStateoHawaiiDept.oHealthorres-MartinezribeTownofGrangerWyomingUtahHousingCorporationWashingtonDept.oHealthRCAC2012ANNUALREPORTRCACthanksthefollowingfundersandinvestorsforsupportingitswork. ABOUTTHISREPORTJeremyRaFrontcoverpage12367topphoto8topphoto9131516rightandleftphotosElizabethBernalPage5DustinLoveInsidefrontcoverandbackcoverAngelaHengelInsidebackcoverU.S.SenateDemocraticSteeringandOutreachCommitteeCourtesyOceofSen.TomUdallPage4bottomphotoBryantAndersoneTriplicatePage8bottomphotoCallieMcIntoshPage16centerphotoJeremyRafSharonWillsAngelaTerryDustinLoveKayMulliganToniAnneSmithSmithtonianGraphicDesignPhotographyWriterProducersGraphicDesignwww.rcac.org WITHTHENEWDAYCOMESNEWSTRENGTHANDNEWTHOUGHTS.ELEANORROOSEVELT 3120FreeboardDriveSuite201WestSacramentoCaliornia95691916447-2854Ofce916447-2878FaxSubscribetoRCACsreepublicationsatwww.rcac.orgFindusonFacebookathttpwww.facebook.comRCAC.orgPrintedonpapercontainingaminimum25percentpostconsumerfbers