2023-11-06T15:27:14-05:00 2022-12-31 431109768 KPM CPAS PC 1445 E REPUBLIC RD SPRINGFIELD MO 65804 990 2022-01-01 440443995 MULTIPLI CREDIT UNION MULT 4178653912 818 N BENTON AVE SPRINGFIELD MO 65802 JUDY HADSALL PRESIDENT 4178653912 2023-11-06 true JUDY HADSALL 999009999 false ANDREW C CLEMENS CPA P00227852 4178824300 2023-11-06 2022 2023-04-26 12:10:37Z JUDY HADSALL 818 N BENTON AVE SPRINGFIELD MO 65802 9760877 false X MULTIPLICU.COM X 1934 MO WE EXIST TO PROVIDE AFFORDABLE, QUALITY FINANCIAL SERVICES FOR THE MEMBERS OF OUR COMMUNITY. 9 9 62 11 9524 359842 1993923 6458059 7105357 558440 539880 53150 7376341 9692310 0 0 2769472 3224636 0 0 2069007 3079917 4838479 6304553 2537862 3387757 164844187 173557737 139769631 148933731 25074556 24624006 WE EXIST TO PROVIDE AFFORDABLE, QUALITY FINANCIAL SERVICES FOR THE MEMBERS OF OUR COMMUNITY. false false VOLUNTARY, COOPERATIVE, NONPROFIT SAVINGS INSTITUTION WHICH ENCOURAGES THRIFT AMONG THEIR 11,602 MEMBERS BY PROVIDING CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST AND PROVIDING AN OPPORTUNITY TO IMPROVE THEIR ECONOMIC CONDITION. false true false false false false false false false true false false false true true true false false false false false false false false false false false false true false false false false false false false false false false false false false false true 2038 0 62 true true true false false false false false false false X 9 9 false false false false true true true true true false false false true true true true true true true false X GREG SNYDER 4178653912 818 NORTH BENTON SPRINGFIELD MO 65802 JUDY HADSALL PRESIDENT 40.00 X 255643 0 17580 GREG SNYDER CFO 40.00 X 206472 0 14830 SUSAN KASTERKE STAFF 40.00 X 120189 0 12638 GREG COX STAFF 40.00 X 110149 0 10355 MAX BUETOW CHAIRMAN 1.00 X X 0 0 0 BEN JONES VICE CHAIRMA 1.00 X X 0 0 0 JIM BLAHA SECRETARY/TR 1.00 X X 0 0 0 KEM REED DIRECTOR 1.00 X 0 0 0 KARL PLUMPE DIRECTOR 1.00 X 0 0 0 JOSHUA BADE DIRECTOR 1.00 X 0 0 0 DEANNA MAPLES DIRECTOR 1.00 X 0 0 0 JEFF PARKISON DIRECTOR 1.00 X 0 0 0 JAKE MCWAY DIRECTOR 1.00 X 0 0 0 692453 55403 4 false true false BP BUILDERS 4940 S FARM RD 189 STE 10 ROGERSVILLE MO 65742 CONSTRUCTION 1828734 TRUSTMARK 75 REMITTANCE DR STE 3087 CHICAGO IL 606753087 EMPLOYEE BENEFI 199569 MANAGED FINANCIAL NETWORKS 808 BENTON AVE STE 102 SPRINGFIELD MO 65802 IT SERVICES 170472 NATURES IMAGE 1027 S HWY NIXA MO 65714 LANDSCAPING 140105 JACK HENRY ASSOCIATES 663 W HWY 60 PO BOX 609 MONETT MO 65708 BANKING SYSTEMS 105211 5 1993923 1993923 INTEREST ON LOANS 522291 4896430 4896430 FEES AND CHARGES 522298 934596 934596 CARD INTERCHANGE INCOME 522210 922856 922856 MORTGAGE BANKING INCOME 522298 177417 177417 OTHER INCOME 522298 164534 164534 9524 9524 7105357 605101 605101 53150 53150 53150 53150 3346 68567 -68567 3346 -65221 -65221 9692310 7095833 9524 593030 494525 2312595 44670 187458 185388 6497 55025 7047 4045 71518 115895 220328 11204 521335 406378 65864 ATM EXPENSES 11602 DEBIT CARD EXPENSES 375772 LOAN SERVICING EXPENSES 348426 DATA PROCESSING 304847 554134 6304553 0 0 0 1103762 2188856 12872185 10053764 248217 222986 90697888 110759053 160170 412187 14850964 2498457 10435905 12352507 40705814 31274385 2851294 1511758 1237969 1311949 4530983 3470292 164844187 173557737 908946 2648461 1417658 5500 4212652 133230375 146279770 139769631 148933731 X 25074556 24624006 25074556 24624006 164844187 173557737 X 3387757 -3540284 -298023 X false true X true false RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 2110996 2110996 10331436 1606143 8725293 2408532 892314 1516218 12352507 MEMBER SHARE DEPOSITS 137279770 FHLB ADVANCES 9000000 146279770 X 9760877 68567 68567 9692310 9692310 6373120 68567 68567 6304553 6304553 SCHEDULE D, PAGE 3, PART X THE CREDIT UNION IS EXEMPT FROM INCOME TAXES UNDER THE INTERNAL REVENUE CODE AND SIMILAR STATE STATUTES. THE CREDIT UNION HAS ANALYZED THE TAX POSITIONS TAKEN AND HAS CONCLUDED THAT AS OF DECEMBER 31, 2022 AND 2021, THERE ARE NO UNCERTAIN POSITIONS TAKEN, OR EXPECTED TO BE TAKEN, THAT WOULD REQUIRE RECOGNITION OF AN ASSET OR LIABILITY OR DISCLOSURE IN THE FINANCIAL STATEMENTS. A TAX ASSET OR LIABILITY WOULD BE RECOGNIZED IF THE CREDIT UNION HAS TAKEN AN UNCERTAIN POSITION THAT MORE LIKELY THAN NOT WOULD NOT BE SUSTAINED UPON EXAMINATION BY TAXING AUTHORITIES. SCHEDULE D, PAGE 4, PART XI, LINE 2D LOSSES ON RETURN 68,567 X X X false false false JUDY HADSALL PRESIDENT 255643 8744 8836 273223 GREG SNYDER CFO 206472 5994 8836 221302 FORM 990, PAGE 1, PART I, LINE 6 THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE ARE COMPOSED OF VOLUNTEERS. FORM 990, PAGE 6, PART VI, LINE 6 THE MEMBERS OF THE CREDIT UNION ARE CONSIDERED TO BE THE OWNERS OF THE ORGANIZATION. FORM 990, PAGE 6, PART VI, LINE 7A THE MEMBERS OF THE CREDIT UNION ELECT ALL OF THE BOARD OF DIRECTORS ON AN ANNUAL BASIS. FORM 990, PAGE 6, PART VI, LINE 7B ANY CHANGES TO THE BY-LAWS GOVERNING THE CREDIT UNION ARE REQUIRED TO HAVE APPROVAL FROM THE CREDIT UNION MEMBERS. FORM 990, PAGE 6, PART VI, LINE 11B THE CREDIT UNION CFO REVIEWS A COPY OF THE FORM 990 BEFORE SIGNING THE FORM 8879 AUTHORIZING ELECTRONIC TRANSMISSION OF THE RETURN TO THE IRS. A COPY OF THE FILED FORM 990 IS THEN AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS AT THEIR REQUEST. FORM 990, PAGE 6, PART VI, LINE 12C WHEN MATTERS PERTAINING TO THE SPECIFIC PERSONAL INTEREST OF A BOARD MEMBER ARE DISCUSSED, THE AFFECTED BOARD MEMBER OR MEMBERS SHALL NOT ENGAGE IN THE DISCUSSION NOR SHALL THEY PARTICIPATE IN THE VOTE, AND THE MINUTES SHALL SO STATE. FORM 990, PAGE 6, PART VI, LINE 15A THE ORGANIZATION USES A THIRD PARTY SOFTWARE PROGRAM THAT GRADES EACH JOB AND THEN CREATES A MINIMUM, MIDPOINT, AND MAXIMUM SALARY RANGE BASED ON DUTIES, CU SIZE, AND PEERS. THIS PROGRAM IS USED FOR ALL JOBS IN THE ORGANIZATION. THE EXECUTIVE COMMITTEE (BOARD OFFICERS) REVIEWS AND RECOMMENDS SALARY/COMPENSATION CHANGES TO THE BOARD OF DIRECTORS FOR THE CEO. FORM 990, PAGE 6, PART VI, LINE 15B THE ORGANIZATION USES A THIRD PARTY SOFTWARE PROGRAM THAT GRADES EACH JOB AND THEN CREATES A MINIMUM, MIDPOINT, AND MAXIMUM SALARY RANGE BASED ON DUTIES, CU SIZE, AND PEERS. THIS PROGRAM IS USED FOR ALL JOBS IN THE CREDIT UNION. THE CEO IS THEN ULTIMATELY RESPONSIBLE FOR DETERMINING THE SALARY OF ALL STAFF, EXCEPT THEMSELVES. SUPERVISORS REVIEW THE EMPLOYEES AND THEN MEET WITH CEO TO DETERMINE IF A CHANGE IN COMPENSATION IS WARRANTED. FORM 990, PAGE 6, PART VI, LINE 19 COPIES OF THE CREDIT UNION GOVERNING DOCUMENTS, FINANCIAL STATEMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE TO THE PUBLIC UPON REQUEST. FORM 990, PART XI, LINE 9 NET CHANGE IN DEFINED BENEFIT PLAN -298,023