2024-11-11T17:08:35-05:00 2023-12-31 431109768 KPM CPAS PC 1445 E REPUBLIC RD SPRINGFIELD MO 65804 990 2023-01-01 440443995 MULTIPLI CREDIT UNION MULT 4178653912 1850 S BLACKMAN RD SUITE 100 SPRINGFIELD MO 65809 GREG SNYDER CFO 4178653912 2024-11-08 true false ANDREW C CLEMENS CPA P00227852 4178824300 2024-11-08 2023 2024-10-15 13:58:12Z X GREG SNYDER 1850 S BLACKMAN SUITE 100 SPRINGFIELD MO 65809 9675524 false X MULTIPLICU.COM X 1934 MO WE EXIST TO PROVIDE AFFORDABLE, QUALITY FINANCIAL SERVICES FOR THE MEMBERS OF OUR COMMUNITY. 9 9 58 11 8912 1993923 0 7105357 8145877 539880 1439015 53150 70935 9692310 9655827 0 0 3224636 3349429 0 0 3079917 4474261 6304553 7823690 3387757 1832137 173557737 182768876 148933731 156340824 24624006 26428052 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 false false false false false false false false true false false false true false false 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 2078 0 true 58 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 1850 S BLACKMAN SUITE 100 SPRINGFIELD MO 65809 JUDY HADSALL PRESIDENT 40.00 X 290754 0 18046 GREG SNYDER CFO 40.00 X 221389 0 14680 SUSAN KASTERKE COO 40.00 X 130211 0 10983 ANDREW ROSE VP OF IT 40.00 X 112216 0 10893 BEN JONES CHAIRMAN 1.00 X X 0 0 0 MAX BUETOW 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 754570 54602 4 false true false TRUSTMARK 75 REMITTANCE DR STE 3087 CHICAGO IL 606753087 EMPLOYEE BENEFI 190561 CENNOX PO BOX 7048 GROUP 22 INDIANAPOLIS IN 46207 ATM/ITM SERVICE 173617 MANAGED FINANCIAL NETWORKS 808 BENTON AVE STE 102 SPRINGFIELD MO 65802 IT SERVICES 159995 JACK HENRY ASSOCIATES 663 W HWY 60 PO BOX 609 MONETT MO 65708 BANKING SYSTEMS 112198 4 INTEREST ON LOANS 522291 5849642 5849642 FEES AND CHARGES 522298 1078897 1078897 CARD INTERCHANGE INCOME 522210 928162 928162 OTHER INCOME 522298 167125 167125 MORTGAGE BANKING INCOME 522298 113139 113139 8912 8912 8145877 1454597 1454597 70935 70935 70935 70935 4115 19697 -19697 4115 -15582 4115 -19697 9655827 8141080 8912 1505835 544869 2384130 36804 168229 215397 4984 22771 4460 158874 100167 426181 10573 1460997 555608 79949 DEBIT CARD EXPENSES 479033 DATA PROCESSING 354303 LOAN SERVICING EXPENSES 352153 PROVISION FOR LOAN LOSSES 172922 291286 7823690 0 0 0 2188856 1992020 10053764 21885187 222986 314106 110759053 111452233 412187 453085 14869603 3040213 12352507 11829390 31274385 28563513 1511758 1269634 1311949 1334733 3470292 3674975 173557737 182768876 2648461 2660696 5500 1000 146279770 153679128 148933731 156340824 X 24624006 26428052 24624006 26428052 173557737 182768876 X 1832137 605525 -633616 X false false false 2110996 2110996 10331435 1865244 8466191 2427172 1174969 1252203 11829390 MEMBER SHARE DEPOSITS 147679128 FHLB ADVANCES 6000000 153679128 X X X false false false JUDY HADSALL PRESIDENT 240416 24055 26283 10727 7319 308800 GREG SNYDER CFO 201756 19633 7506 7174 236069 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 44,584 CECL ADJUSTMENT -678,200 TOTAL -633,616