Web sites where users create and rate content as well as form networks with other users display long-tailed distributions in many aspects of behavior. Using behavior on one such community site, Essembly, we propose and evaluate plausible mechanisms to explain these behaviors. Unlike purely descriptive models, these mechanisms rely on user behaviors based on information available locally to each user. For Essembly, we find the long-tails arise from large differences among user activity rates and qualities of the rated content, as well as the extensive variability in the time users devote to the site. We show that the models not only explain overall behavior but also allow estimating the quality of content from their early behaviors.