2026-09-01T16:29:44-05:00 2025-12-31 431109768 KPM CPAS LLC 1445 E REPUBLIC ROAD SPRINGFIELD MO 65804 990 2025-01-01 436203095 MULTI-STATES CREDIT UNION MERC 4178202931 1444 E SUNSHINE SPRINGFIELD MO 65804 JULIUS R SIMS II CEO 4178202931 2026-08-27 1 FREDDIE YOUNG JR CPA P01846924 4178824300 2026-08-24 2025 JULIUS R SIMS II 1444 E SUNSHINE SPRINGFIELD MO 65804 5074342 0 X WWW.MYMSCU.COM X 1976 MO QUALITY FINANCIAL SERVICES TO MEMBERS WITH A SHARED COMMON BOND FOR THEIR FINANCIAL BENEFIT. 5 5 24 12 64655 0 0 0 4334466 4643915 434943 426903 0 0 4769409 5070818 0 0 0 0 1257507 1382094 0 0 0 2400192 2452705 3657699 3834799 1111710 1236019 82562351 85254296 73165763 74506165 9396588 10748131 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 14,918 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 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 X 2108 0 1 24 1 1 1 0 0 0 0 0 0 0 X 5 5 0 0 0 0 1 1 1 1 1 0 1 1 0 1 1 0 1 1 0 0 1 0 OK X THE ORGANIZATION 4178202931 1444 E SUNSHINE SPRINGFIELD MO 65804 CHRIS BOS 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 JIMMY HOWARD DIRECTOR 1.00 X X 0 0 0 DOUG FAST DIRECTOR 1.00 X 0 0 0 MICHELLE PALUBIAK RESIGNED 625 DIRECTOR 1.00 X 0 0 0 JODIE RAYBORN RESIGNED 625 DIRECTOR 1.00 X 0 0 0 TAMMY ROWDEN PRESIDENT 40.00 X 135853 0 21709 135853 0 21709 1 0 1 0 0 INTEREST ON LOANS 522291 3757055 3757055 CREDIT CARD INCOME 522298 391563 391563 FEES, CHARGES AND OTHE 522210 386394 386394 INSURANCE COMMISSIONS 522298 44248 44248 INSURANCE MARKETING 900099 23850 23850 40805 40805 4643915 430427 430427 3524 -3524 -3524 -3524 5070818 4575736 64655 430427 X 157562 924069 24779 193981 81703 158 45571 586114 5266 146635 138996 19124 593709 72086 40490 VISA EXPENSE 470360 PROVISION FOR LOAN LOSS 100476 ATM FEES 87425 MISCELLANEOUS 74542 71753 3834799 2067712 3409104 8077146 7849593 153003 196645 63910619 66175230 70379 99833 1331629 1188227 159113 143402 7209401 6451669 742919 750215 172059 178605 82562351 85254296 742762 688748 72423001 73817417 73165763 74506165 X 0 0 0 0 9396588 10748131 9396588 10748131 82562351 85254296 1236019 115524 0 X 0 0 0 0 1 X 1331629 1188227 143402 143402 MORTGAGE BACK SECURITIES 6451569 F CO-OP NETWORK INVESTMENT 100 C 6451669 MEMBER'S SHARES AND SAVINGS ACCOUNTS 73817417 73817417 PART IV, LINE 2B: THE ORGANIZATION ACQUIRES RESIDENTIAL MORTGAGES WITH ESCROW ACCOUNTS FROM ANOTHER ENTITY. NO OTHER ESCROW ACCOUNTS EXIST FOR THE ORGANIZATION. X X 0 0 0 TAMMY ROWDEN PRESIDENT 135853 0 0 0 0 0 14721 0 6988 0 157562 0 0 0 FORM 990, PART V, LINE 2B: DURING 2025, THE ORGANIZATION TRANSITIONED TO A PAYROLL PROVIDER. PRIOR TO THE TRANSITION, THE ORGANIZATION HAD AN AGREEMENT WITH MERCY HOSPITAL UNDER WHICH MERCY HOSPITAL COMPENSATED THE ORGANIZATION'S EMPLOYEES AND PROVIDED EMPLOYEE BENEFITS. THE ORGANIZATION REIMBURSED MERCY HOSPITAL FOR EMPLOYEE COSTS, INCLUDING PAYROLL, BENEFITS, AND APPLICABLE 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 586,114.