Civic Intelligence

Mercy Credit Union

EIN 43-6203095 • 501(c)14 • Springfield, MO

View Organization Page

Profile

Established to provide quality financial services to members who share our common bond and exist for the financial benefit of the members.

1444 E SunshineSpringfield, MO 65804

www.mymercycu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

54th percentile

0.89x

Higher debt load relative to assets than 54% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

35th percentile

15.34x

Higher debt load relative to revenue than 35% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

85th percentile

23%

Higher net margin than 85% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

46th percentile

-0.2%

Faster asset growth than 46% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

47th percentile

11%

Faster revenue growth than 47% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets54th percentile

Assets

Down

$82,562,351

Down $127,101 (-0.2%) from 2023

Liabilities

Down

$73,165,763

Down $1,354,268 (-1.8%) from 2023

Net Assets

Up

$9,396,588

Up $1,227,167 (+15%) from 2023

Operations
Liabilities / Revenue35th percentileNet Margin85th percentile

Revenue

Up

$4,769,409

Up $483,914 (+11%) from 2023

Expenses

Up

$3,657,699

Up $472,108 (+15%) from 2023

Net Income

Up

$1,111,710

Up $11,806 (+1.1%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth46th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$100M$50M$0Assets 2010: $36,669,039Liabilities 2010: $32,495,003Net Assets 2010: $4,174,0362010Assets 2011: $38,989,385Liabilities 2011: $34,559,637Net Assets 2011: $4,429,7482011Assets 2012: $44,299,847Liabilities 2012: $39,381,491Net Assets 2012: $4,918,3562012Assets 2013: $45,261,314Liabilities 2013: $40,510,759Net Assets 2013: $4,750,5552013Assets 2014: $47,938,540Liabilities 2014: $43,114,607Net Assets 2014: $4,823,9332014Assets 2015: $50,760,462Liabilities 2015: $45,909,265Net Assets 2015: $4,851,1972015Assets 2016: $59,255,805Liabilities 2016: $53,903,830Net Assets 2016: $5,351,9752016Assets 2017: $61,238,792Liabilities 2017: $55,755,728Net Assets 2017: $5,483,0642017Assets 2018: $64,144,699Liabilities 2018: $58,373,225Net Assets 2018: $5,771,4742018Assets 2019: $62,762,527Liabilities 2019: $56,566,569Net Assets 2019: $6,195,9582019Assets 2020: $77,564,166Liabilities 2020: $71,062,570Net Assets 2020: $6,501,5962020Assets 2021: $87,100,295Liabilities 2021: $80,437,599Net Assets 2021: $6,662,6962021Assets 2022: $86,452,306Liabilities 2022: $79,504,498Net Assets 2022: $6,947,8082022Assets 2023: $82,689,452Liabilities 2023: $74,520,031Net Assets 2023: $8,169,4212023Assets 2024: $82,562,351Liabilities 2024: $73,165,763Net Assets 2024: $9,396,5882024

Highlighted filing

2024

Assets$82,562,351
Liabilities$73,165,763
Net Assets$9,396,588
Open 2024 Filing

Operations Trend

Revenue Growth47th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $1,349,4142010Expenses 2011: $1,319,6672011Revenue 2012: $1,697,510Expenses 2012: $1,345,933Net Income 2012: $351,5772012Revenue 2013: $1,508,155Expenses 2013: $1,509,593Net Income 2013: -$1,4382013Revenue 2014: $1,578,710Expenses 2014: $1,564,611Net Income 2014: $14,0992014Revenue 2015: $1,801,414Expenses 2015: $1,755,462Net Income 2015: $45,9522015Revenue 2016: $2,210,605Expenses 2016: $2,087,801Net Income 2016: $122,8042016Revenue 2017: $2,421,790Expenses 2017: $2,282,528Net Income 2017: $139,2622017Revenue 2018: $2,978,092Expenses 2018: $2,682,023Net Income 2018: $296,0692018Revenue 2019: $3,223,119Expenses 2019: $2,819,965Net Income 2019: $403,1542019Revenue 2020: $3,011,698Expenses 2020: $2,713,723Net Income 2020: $297,9752020Revenue 2021: $3,013,320Expenses 2021: $2,796,028Net Income 2021: $217,2922021Revenue 2022: $3,619,059Expenses 2022: $2,958,765Net Income 2022: $660,2942022Revenue 2023: $4,285,495Expenses 2023: $3,185,591Net Income 2023: $1,099,9042023Revenue 2024: $4,769,409Expenses 2024: $3,657,699Net Income 2024: $1,111,7102024

Highlighted filing

2024

Revenue$4,769,409
Expenses$3,657,699
Net Income$1,111,710
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$82,562,351
Liabilities
$73,165,763
Net assets
$9,396,588
Revenue
$4,769,409
Expenses
$3,657,699
Net income
$1,111,710
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$82.6$73.2$9.40$4.77$3.66$1.11
2023Summary only. Only limited summary data is available for this year.$82.7$74.5$8.17$4.29$3.19$1.10
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$86.5$79.5$6.95$3.62$2.96$0.66
2021Summary only. Only limited summary data is available for this year.$87.1$80.4$6.66$3.01$2.80$0.22
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$77.6$71.1$6.50$3.01$2.71$0.30
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$62.8$56.6$6.20$3.22$2.82$0.40
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$64.1$58.4$5.77$2.98$2.68$0.30
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$61.2$55.8$5.48$2.42$2.28$0.14
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$59.3$53.9$5.35$2.21$2.09$0.12
2015Detailed filing. Detailed filing data is available for this year.$50.8$45.9$4.85$1.80$1.76$0.05
2014Detailed filing. Detailed filing data is available for this year.$47.9$43.1$4.82$1.58$1.56$0.01
2013Detailed filing. Detailed filing data is available for this year.$45.3$40.5$4.75$1.51$1.51$0.00
2012Summary only. Only limited summary data is available for this year.$44.3$39.4$4.92$1.70$1.35$0.35
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.0$34.6$4.43$1.32
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.7$32.5$4.17$1.35
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 17, 2025
Return Version
2024v5.2
Gross Receipts
$4,781,907
Mission and Program Overview

Mission

Established to provide quality financial services to members who share our common bond and exist for the financial benefit of the members.

Quality financial services to members with a shared common bond for their financial benefit.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$64,308,940$63,910,619▼ $398,321
Rtn Earn Endowment Incm Other Fnds$8,169,421$9,396,588▲ $1,227,167
Savings and Temporary Cash Investments$6,033,687$8,077,146▲ $2,043,459
Investments Other Securities$8,352,289$7,209,401▼ $1,142,888
Cash and Non-Interest-Bearing Accounts$2,766,724$2,067,712▼ $699,012
Investments Program Related$752,954$742,919▼ $10,035
Land, Buildings, and Equipment, Net$192,697$159,113▼ $33,584
Accounts Receivable$73,340$153,003▲ $79,663
Prepaid Expenses and Deferred Charges$85,231$70,379▼ $14,852
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$82,689,452$82,562,351▼ $127,101
Other Assets Total$123,590$172,059▲ $48,469
Liabilities
Other Liabilities$73,397,760$72,423,001▼ $974,759
Accounts Payable and Accrued Expenses$1,122,271$742,762▼ $379,509
Total Liabilities$74,520,031$73,165,763▼ $1,354,268
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,169,421$9,396,588▲ $1,227,167
Total Liabilities and Net Assets / Fund Balance$82,689,452$82,562,351▼ $127,101

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$159,113$1,116,584$1,275,697
Other Securities$100--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Tammy RowdenManagerFT$114,970$17,935$132,905

Board Members and Trustees

NameTitle
Chris BossChairman
Dane DouglasVice Chairman
Doug FastDirector
Jimmy HowardDirector
Jodie FugateDirector
Cindy BennettSecretary
Michelle PalubiakTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,334,466
Investment Income
$434,943
Other Revenue
$0
Change in Net Assets
$1,111,710
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,400,192
Salaries, Compensation, and Employee Benefits$1,257,507
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$900,217
Interest---$700,682
Fees for Services Other---$612,678
Office Expenses---$147,121
Current Officers, Directors, Trustees, and Key Employees---$132,905
Payroll Taxes---$77,129
Pension Plan Contributions---$76,073
Other Employee Benefits---$71,183
Depreciation Depletion---$71,079
All Other Expenses---$62,951
Other Expenses---$57,650
Occupancy---$57,646
Insurance---$40,107
Fees for Services Accounting---$17,200
Travel---$9,269
Advertising---$8,463
Fees for Services Legal---$227
Total Functional Expenses$0$0$0$3,657,699
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
MEMBER'S SHARES AND SAVINGS ACCOUNTS$72,423,001
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

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.”

Filing and Contact Details

Filer

Filer Name
Multi-states Credit Union
EIN
43-6203095
Phone
4178202931
Address
1444 E SUNSHINE, SPRINGFIELD, MO 65804

Signing Officer

Name
Tammy Rowden
Title
Manager
Phone
4178202931
Signed
2025-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Tammy Rowden
Formed
1976
Legal Domicile
Mo
Voting Board Members
6
Independent Board Members
6
Employees
24
Volunteers
9

Preparer

Firm
Kpm Cpas Pc
Address
1445 E REPUBLIC ROAD, SPRINGFIELD, MO 65804
Preparer
Freddie Young Jr CPA
Phone
4178824300
Supplemental Narrative

Additional Explanations

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 IX, Line 11G

“Outside services 612,678.”

Financial Statement Notes

PART IV, LINE 2B:

“The organization acquires residential mortgages with escrow accounts from another entity. No other escrow accounts exist for the organization.”

Raw XML Appendix382 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt01122271
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0742762
IRS990/AccountsReceivableGrp/BOYAmt073340
IRS990/AccountsReceivableGrp/EOYAmt0153003
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0QUALITY FINANCIAL SERVICES TO MEMBERS WITH A SHARED COMMON BOND FOR THEIR FINANCIAL BENEFIT.
IRS990/AdvertisingGrp/TotalAmt08463
IRS990/AllOtherExpensesGrp/TotalAmt062951
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0TAMMY ROWDEN
IRS990/BooksInCareOfDetail/PhoneNum04178202931
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01444 E SUNSHINE
IRS990/BooksInCareOfDetail/USAddress/CityNm0SPRINGFIELD
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd065804
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt02766724
IRS990/CashNonInterestBearingGrp/EOYAmt02067712
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0132905
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd01
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0434943
IRS990/CYOtherExpensesAmt02400192
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt04334466
IRS990/CYRevenuesLessExpensesAmt01111710
IRS990/CYSalariesCompEmpBnftPaidAmt01257507
IRS990/CYTotalExpensesAmt03657699
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt04769409
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt071079
IRS990/Desc0VOLUNTARY, 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.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt024
IRS990/EmploymentTaxReturnsFiledInd00
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt017200
IRS990/FeesForServicesLegalGrp/TotalAmt0227
IRS990/FeesForServicesOtherGrp/TotalAmt0612678
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt717935
IRS990/Form990PartVIISectionAGrp/PersonNm0CHRIS BOSS
IRS990/Form990PartVIISectionAGrp/PersonNm1DANE DOUGLAS
IRS990/Form990PartVIISectionAGrp/PersonNm2CINDY BENNETT
IRS990/Form990PartVIISectionAGrp/PersonNm3MICHELLE PALUBIAK
IRS990/Form990PartVIISectionAGrp/PersonNm4JODIE FUGATE
IRS990/Form990PartVIISectionAGrp/PersonNm5JIMMY HOWARD
IRS990/Form990PartVIISectionAGrp/PersonNm6DOUG FAST
IRS990/Form990PartVIISectionAGrp/PersonNm7TAMMY ROWDEN
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7MANAGER
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IRS990/FSAuditedInd00
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IRS990/GamingActivitiesInd00
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
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IRS990/IRPDocumentCnt02290
IRS990/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipCostOrOtherBssAmt01275697
IRS990/LegalDomicileStateCd0MO
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt012498
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0ESTABLISHED TO PROVIDE QUALITY FINANCIAL SERVICES TO MEMBERS WHO SHARE OUR COMMON BOND AND EXIST FOR THE FINANCIAL BENEFIT OF THE MEMBERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NameChangeInd0X
IRS990/NetAssetsOrFundBalancesBOYAmt08169421
IRS990/NetAssetsOrFundBalancesEOYAmt09396588
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-12498
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-12498
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0115457
IRS990/NondeductibleContributionsInd00
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IRS990/OfficeExpensesGrp/TotalAmt0147121
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0123590
IRS990/OtherAssetsTotalGrp/EOYAmt0172059
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt071183
IRS990/OtherExpensesGrp/Desc0VISA EXPENSE
IRS990/OtherExpensesGrp/Desc1ATM FEES
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS
IRS990/OtherExpensesGrp/TotalAmt0456131
IRS990/OtherExpensesGrp/TotalAmt189008
IRS990/OtherExpensesGrp/TotalAmt269980
IRS990/OtherExpensesGrp/TotalAmt357650
IRS990/OtherLiabilitiesGrp/BOYAmt073397760
IRS990/OtherLiabilitiesGrp/EOYAmt072423001
IRS990/OtherSalariesAndWagesGrp/TotalAmt0900217
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt064308940
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt063910619
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt077129
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt076073
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt085231
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt070379
IRS990/PrincipalOfficerNm0TAMMY ROWDEN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522298
IRS990/ProgramServiceRevenueGrp/BusinessCd2522210
IRS990/ProgramServiceRevenueGrp/BusinessCd3522298
IRS990/ProgramServiceRevenueGrp/BusinessCd4900099
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1CREDIT CARD INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEES, CHARGES AND OTHE
IRS990/ProgramServiceRevenueGrp/Desc3INSURANCE COMMISSIONS
IRS990/ProgramServiceRevenueGrp/Desc4INSURANCE MARKETING
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03401233
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1419607
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2402185
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt345753
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03401233
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1419607
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2402185
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt345753
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt425453
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt025453
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0465289
IRS990/PYOtherExpensesAmt02041339
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt03820206
IRS990/PYRevenuesLessExpensesAmt01099904
IRS990/PYSalariesCompEmpBnftPaidAmt01144252
IRS990/PYTotalExpensesAmt03185591
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04285495
IRS990/ReconcilationRevenueExpnssAmt01111710
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08169421
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt09396588
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06033687
IRS990/SavingsAndTempCashInvstGrp/EOYAmt08077146
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0159113
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01116584
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01275697
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt072423001
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER'S SHARES AND SAVINGS ACCOUNTS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt07209301
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1100
IRS990ScheduleD/OtherSecuritiesGrp/Desc0MORTGAGE BACK SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CO-OP NETWORK INVESTMENT
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION ACQUIRES RESIDENTIAL MORTGAGES WITH ESCROW ACCOUNTS FROM ANOTHER ENTITY. NO OTHER ESCROW ACCOUNTS EXIST FOR THE ORGANIZATION.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0159113
IRS990ScheduleD/TotalBookValueSecuritiesAmt07209401
IRS990ScheduleD/TotalLiabilityAmt072423001
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERS OF THE CREDIT UNION ARE CONSIDERED TO BE THE OWNERS OF THE ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE MEMBERS OF THE CREDIT UNION ELECT ALL OF THE BOARD OF DIRECTORS FOR THREE YEAR TERMS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ANY CHANGES TO THE BY-LAWS GOVERNING THE CREDIT UNION ARE REQUIRED TO HAVE APPROVAL FROM THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COPIES OF THE CREDIT UNION GOVERNING DOCUMENTS, FINANCIAL STATEMENTS, AND CONFLICT OF INTEREST POLICY ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6OUTSIDE SERVICES 612,678.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART V, LINE 2B:
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART IX, LINE 11G
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0OK
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt082689452
IRS990/TotalAssetsEOYAmt082562351
IRS990/TotalAssetsGrp/BOYAmt082689452
IRS990/TotalAssetsGrp/EOYAmt082562351
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt024
IRS990/TotalFunctionalExpensesGrp/TotalAmt03657699
IRS990/TotalGrossUBIAmt065688
IRS990/TotalLiabilitiesBOYAmt074520031
IRS990/TotalLiabilitiesEOYAmt073165763
IRS990/TotalLiabilitiesGrp/BOYAmt074520031
IRS990/TotalLiabilitiesGrp/EOYAmt073165763
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt08169421
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt09396588
IRS990/TotalOtherCompensationAmt017935
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt040235
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt040235
IRS990/TotalProgramServiceRevenueAmt04334466
IRS990/TotalReportableCompFromOrgAmt0114970
IRS990/TotalRevenueGrp/ExclusionAmt0447441
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04256280
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04769409
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt065688
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt082689452
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt082562351
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt09269
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01444 E SUNSHINE
IRS990/USAddress/CityNm0SPRINGFIELD
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd065804
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.MYMERCYCU.COM
IRS990/WhistleblowerPolicyInd01
IRS990/WrittenPolicyOrProcedureInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0TAMMY ROWDEN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum04178202931
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-17
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MULTI-STATES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0MERC
ReturnHeader/Filer/EIN0436203095
ReturnHeader/Filer/PhoneNum04178202931
ReturnHeader/Filer/USAddress/AddressLine1Txt01444 E SUNSHINE
ReturnHeader/Filer/USAddress/CityNm0SPRINGFIELD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd065804
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431109768
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0KPM CPAS PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01445 E REPUBLIC ROAD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0SPRINGFIELD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd065804
ReturnHeader/PreparerPersonGrp/PhoneNum04178824300
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-17
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0FREDDIE YOUNG JR CPA
ReturnHeader/ReturnTs02025-11-17T14:21:24-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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