2025-11-17T14:21:24-06:00 2024-12-31 431109768 KPM CPAS PC 1445 E REPUBLIC ROAD SPRINGFIELD MO 65804 990 2024-01-01 436203095 MULTI-STATES CREDIT UNION MERC 4178202931 1444 E SUNSHINE SPRINGFIELD MO 65804 TAMMY ROWDEN MANAGER 4178202931 2025-11-17 1 1 FREDDIE YOUNG JR CPA P01846924 4178824300 2025-11-17 2024 2025-03-06 01:10:19Z X TAMMY ROWDEN 1444 E SUNSHINE SPRINGFIELD MO 65804 4781907 0 X WWW.MYMERCYCU.COM X 1976 MO QUALITY FINANCIAL SERVICES TO MEMBERS WITH A SHARED COMMON BOND FOR THEIR FINANCIAL BENEFIT. 6 6 24 9 65688 0 0 0 3820206 4334466 465289 434943 0 0 4285495 4769409 0 0 0 0 1144252 1257507 0 0 0 2041339 2400192 3185591 3657699 1099904 1111710 82689452 82562351 74520031 73165763 8169421 9396588 ESTABLISHED TO PROVIDE QUALITY FINANCIAL SERVICES TO MEMBERS WHO SHARE OUR COMMON BOND AND EXIST FOR THE FINANCIAL BENEFIT OF THE MEMBERS. 0 0 VOLUNTARY, COOPERATIVE, NONPROFIT SAVINGS INSTITUTION WHICH ENCOURAGES THRIFT AMONG THEIR 14,684 MEMBERS BY PROVIDING CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST AND PROVIDING AN OPPORTUNITY TO IMPROVE THEIR ECONOMIC CONDITION. 0 0 0 0 0 0 0 1 0 1 1 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 X 2290 0 1 24 0 1 1 0 0 0 0 0 0 0 X 6 6 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 0 1 1 0 0 1 0 OK X TAMMY ROWDEN 4178202931 1444 E SUNSHINE SPRINGFIELD MO 65804 CHRIS BOSS CHAIRMAN 1.00 X X 0 0 0 DANE DOUGLAS VICE CHAIRMAN 1.00 X X 0 0 0 CINDY BENNETT SECRETARY 1.00 X X 0 0 0 MICHELLE PALUBIAK TREASURER 1.00 X X 0 0 0 JODIE FUGATE DIRECTOR 1.00 X 0 0 0 JIMMY HOWARD DIRECTOR 1.00 X 0 0 0 DOUG FAST DIRECTOR 1.00 X 0 0 0 TAMMY ROWDEN MANAGER 40.00 X 114970 0 17935 114970 0 17935 1 0 0 0 0 INTEREST ON LOANS 522291 3401233 3401233 CREDIT CARD INCOME 522298 419607 419607 FEES, CHARGES AND OTHE 522210 402185 402185 INSURANCE COMMISSIONS 522298 45753 45753 INSURANCE MARKETING 900099 25453 25453 40235 40235 4334466 447441 447441 12498 -12498 -12498 -12498 4769409 4256280 65688 447441 X 132905 900217 76073 71183 77129 227 17200 612678 8463 147121 57646 9269 700682 71079 40107 VISA EXPENSE 456131 ATM FEES 89008 PROVISION FOR LOAN LOSS 69980 MISCELLANEOUS 57650 62951 3657699 2766724 2067712 6033687 8077146 73340 153003 64308940 63910619 85231 70379 1275697 1116584 192697 159113 8352289 7209401 752954 742919 123590 172059 82689452 82562351 1122271 742762 73397760 72423001 74520031 73165763 X 0 0 0 0 8169421 9396588 8169421 9396588 82689452 82562351 1111710 115457 0 X 0 0 0 0 1 X 1275697 1116584 159113 159113 MORTGAGE BACK SECURITIES 7209301 F CO-OP NETWORK INVESTMENT 100 C 7209401 MEMBER'S SHARES AND SAVINGS ACCOUNTS 72423001 72423001 PART IV, LINE 2B: THE ORGANIZATION ACQUIRES RESIDENTIAL MORTGAGES WITH ESCROW ACCOUNTS FROM ANOTHER ENTITY. NO OTHER ESCROW ACCOUNTS EXIST FOR THE ORGANIZATION. FORM 990, PART V, LINE 2B: THE ORGANIZATION HAS AN AGREEMENT WITH MERCY HOSPITAL WHEREBY MERCY HOSPITAL COMPENSATES AND PROVIDES BENEFITS FOR THE ORGANIZATION'S EMPLOYEES, BUT THE ORGANIZATION REIMBURSES MERCY HOSPITAL FOR THE COSTS OF ITS EMPLOYEES PAYROLL, BENEFITS AND PAYROLL TAXES. FORM 990, PART VI, SECTION A, LINE 6 THE MEMBERS OF THE CREDIT UNION ARE CONSIDERED TO BE THE OWNERS OF THE ORGANIZATION. FORM 990, PART VI, SECTION A, LINE 7A THE MEMBERS OF THE CREDIT UNION ELECT ALL OF THE BOARD OF DIRECTORS FOR THREE YEAR TERMS. FORM 990, PART VI, SECTION A, LINE 7B ANY CHANGES TO THE BY-LAWS GOVERNING THE CREDIT UNION ARE REQUIRED TO HAVE APPROVAL FROM THE CREDIT UNION MEMBERS. FORM 990, PART VI, SECTION B, LINE 11B THE INITIAL REVIEW OF THE RETURN IS PERFORMED BY THE CREDIT UNION MANAGER. AFTER THE REVIEW IS COMPLETE, A COPY OF THE RETURN IS PRESENTED TO THE BOARD OF DIRECTORS AT THEIR NEXT MEETING. FORM 990, PART VI, SECTION C, 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 IX, LINE 11G OUTSIDE SERVICES 612,678.