2025-06-16T15:57:33-04:00 2024-07-31 431109768 KPM CPAS PC 1445 E REPUBLIC RD SPRINGFIELD MO 65804 990 2024-01-01 440443995 MULTIPLI CREDIT UNION MULT 4178653912 1850 S BLACKMAN RD SUITE 100 SPRINGFIELD MO 65809 GREG SNYDER CFO 4178653912 2024-06-13 true false ANDREW C CLEMENS CPA P00227852 4178824300 2025-06-16 2023 2025-03-06 01:10:19Z X GREG SNYDER 1850 S BLACKMAN SUITE 100 SPRINGFIELD MO 65809 27102609 false X MULTIPLICU.COM X 1934 MO WE EXIST TO PROVIDE AFFORDABLE, QUALITY FINANCIAL SERVICES FOR THE MEMBERS OF OUR COMMUNITY. X 9 9 48 11 785 0 8145877 4614127 1439015 -2667463 70935 25931 9655827 1972595 24552560 0 3349429 2005549 0 0 4474261 5000569 7823690 31558678 1832137 -29586083 182768876 0 156340824 0 26428052 0 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 false false false false false false false false false false false false false false false false false true false true false false false false false false false false true false false false false false true 0 0 48 true false 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 187942 0 10345 GREG SNYDER CFO 40.00 X 157087 0 10758 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 345029 21103 2 false true false INTEREST ON LOANS 522291 3529577 3529577 FEES AND CHARGES 522298 509223 509223 CARD INTERCHANGE INCOME 522210 451110 451110 OTHER INCOME 522298 106798 106798 MORTGAGE BANKING INCOME 522298 16634 16634 785 785 4614127 915410 915410 25931 25931 25931 25931 21547141 25005360 124654 -3458219 -124654 -3582873 -124654 -3458219 1972595 4488688 785 -2516878 24552560 366132 1437852 81510 120055 1223 11869 5632 40840 62857 217409 16091 2947814 278059 156653 PROVISION FOR LOAN LOSSES 426368 DEBIT CARD EXPENSES 291741 DATA PROCESSING 207169 LOAN SERVICING EXPENSES 193157 143687 31558678 0 0 0 1992020 21885187 314106 111452233 453085 11829390 28563513 1269634 1334733 3674975 182768876 0 2660696 1000 153679128 156340824 0 X 26428052 26428052 0 182768876 0 X -29586083 3132765 25266 X false false false false RIVER REGION COMM FED CREDIT UNION DBA RIVER REGION CREDIT UNION 3124 WEST EDGEWOOD DRIVE JEFFERSON CITY MO 65109 440623480 501C14 24552560 BOOK VALUE SEE STMT MERGER 1 SCHEDULE I, PAGE 4, PART IV ORGANIZATION MERGED WITH GRANT RECIPIENT. GRANT AMOUNT IS ASSETS NET OF LIABILITIES AT 7/01/24. ASSETS AND LIABILITIES ON THE BOOKS AT 7/01/2024 WERE TRANSFERRED TO THE GRANT RECIPIENT. IN DETERMINING THE GRANT AMOUNT, THE NON-CASH PORTION CONSISTED OF RECEIVABLES, LOANS, INVESTMENTS, LAND, BUILDINGS AND EQUIPMENT ON THE BOOKS AT 7/01/24. X X X false false false JUDY HADSALL PRESIDENT 149879 9154 28909 5661 4684 198287 GREG SNYDER CFO 126922 27665 2500 6054 4704 167845 CASH & EQUIVALENTS 2024-07-01 47464397 BOOK VALUE 440623480 RIVER REGION COMM FED CREDIT UNION DBA RIVER REGION CREDIT UNION 3124 WEST EDGEWOOD DRIVE JEFFERSON CITY MO 65109 501C14 LOANS & RECEIVABLES 2024-07-01 112734223 BOOK VALUE 440623480 RIVER REGION COMM FED CREDIT UNION DBA RIVER REGION CREDIT UNION 3124 WEST EDGEWOOD DRIVE JEFFERSON CITY MO 65109 501C14 PREPAID & OTHER ASSETS 2024-07-01 4237509 BOOK VALUE 440623480 RIVER REGION COMM FED CREDIT UNION DBA RIVER REGION CREDIT UNION 3124 WEST EDGEWOOD DRIVE JEFFERSON CITY MO 65109 501C14 FIXED ASSETS (NET) 2024-07-01 11450640 BOOK VALUE 440623480 RIVER REGION COMM FED CREDIT UNION DBA RIVER REGION CREDIT UNION 3124 WEST EDGEWOOD DRIVE JEFFERSON CITY MO 65109 501C14 INVESTMENTS 2024-07-01 8374330 BOOK VALUE 440623480 RIVER REGION COMM FED CREDIT UNION DBA RIVER REGION CREDIT UNION 3124 WEST EDGEWOOD DRIVE JEFFERSON CITY MO 65109 501C14 true true false false true true true false SCHEDULE N, PAGE 1, PART I, LINE 2E ON 7/1/2024 THE ORGANIZATION MERGED WITH RIVER REGION COMMUNITY FEDERAL CREDIT UNION DBA RIVER REGION CREDIT UNION (RRCU). RRCU IS THE POST MERGER SURVIVING ORGANIZATION. PART I LINE 2A: BEN JONES - BOARD MEMBER OF RRCU JEFF PARKISON - BOARD MEMBER OF RRCU JOSH BADE - BOARD MEMBER OF RRCU D.MAX BUETOW - BOARD MEMBER OF RRCU E.KARL PLUMPE - BOARD MEMBER OF RRCU AMY CARR - SUPERVISORY MEMBER OF RRCU KRISI SCHELL - SUPERVISORY MEMBER OF RRCU PART I LINE 2B: GREG SNYDER - CFO OF RRCU 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 25,266