Civic Intelligence

Multipli Credit Union

990 • Fiscal year 2017 • EIN 44-0443995

Jan 01, 2017 to Dec 31, 2017 • Filed on Sep 19, 2018

Organization ProfileMYCUCOMMUNITY.COM

View Organization Page

818 N Benton AveSpringfield, MO 65802

(417) 865-3912

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

14th percentile

0.84x

Higher debt load relative to assets than 14% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Liabilities / Revenue

31st percentile

15.44x

Higher debt load relative to revenue than 31% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Net Margin

95th percentile

30%

Higher net margin than 95% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Top Officer Pay

38th percentile

$186,709

Higher top officer pay than 38% of similar nonprofits.

Top officer pay equals 3.1% of source-year revenue.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2017

Asset Growth

78th percentile

6.9%

Faster asset growth than 78% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Revenue Growth

37th percentile

4.8%

Faster revenue growth than 37% of similar nonprofits.

2017 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets14th percentile

Assets

Up

$110,551,547

Up $7,121,375 (+6.9%) from 2016

Net Assets

Up

$17,884,351

Up $1,675,499 (+10%) from 2016

Liabilities

Up

$92,667,196

Up $5,445,876 (+6.2%) from 2016

Revenue And Expenses
Liabilities / Revenue31st percentileNet Margin95th percentile

Revenue

Up

$6,000,794

Up $275,615 (+4.8%) from 2016

Expenses

Up

$4,211,830

Up $308,425 (+7.9%) from 2016

Net Income

Down

$1,788,964

Down $32,810 (-1.8%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth78th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$200M$150M$100M$50M$0Assets 2011: $70,394,026Liabilities 2011: $526,551Net Assets 2011: $69,867,4752011Assets 2012: $87,434,750Liabilities 2012: $693,002Net Assets 2012: $86,741,7482012Assets 2013: $90,591,712Liabilities 2013: $483,935Net Assets 2013: $90,107,7772013Assets 2014: $94,832,745Liabilities 2014: $451,622Net Assets 2014: $94,381,1232014Assets 2016: $103,430,172Liabilities 2016: $87,221,320Net Assets 2016: $16,208,8522016Assets 2017: $110,551,547Liabilities 2017: $92,667,196Net Assets 2017: $17,884,3512017Assets 2019: $115,631,550Liabilities 2019: $94,372,030Net Assets 2019: $21,259,5202019Assets 2020: $143,137,686Liabilities 2020: $120,102,278Net Assets 2020: $23,035,4082020Assets 2021: $164,844,187Liabilities 2021: $139,769,631Net Assets 2021: $25,074,5562021Assets 2022: $173,557,737Liabilities 2022: $148,933,731Net Assets 2022: $24,624,0062022Assets 2023: $182,768,876Liabilities 2023: $156,340,824Net Assets 2023: $26,428,0522023Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2017

Assets$110,551,547
Liabilities$92,667,196
Net Assets$17,884,351
Open 2017 Filing

Operations Trend

Revenue Growth37th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$40M$20M$0-$20M-$40MExpenses 2011: $2,645,8982011Expenses 2012: $2,900,5312012Revenue 2013: $4,531,654Expenses 2013: $3,487,410Net Income 2013: $1,044,2442013Revenue 2014: $4,809,554Expenses 2014: $3,291,092Net Income 2014: $1,518,4622014Revenue 2016: $5,725,179Expenses 2016: $3,903,405Net Income 2016: $1,821,7742016Revenue 2017: $6,000,794Expenses 2017: $4,211,830Net Income 2017: $1,788,9642017Revenue 2019: $6,458,421Expenses 2019: $5,198,044Net Income 2019: $1,260,3772019Revenue 2020: $6,311,489Expenses 2020: $4,867,376Net Income 2020: $1,444,1132020Revenue 2021: $7,376,341Expenses 2021: $4,838,479Net Income 2021: $2,537,8622021Revenue 2022: $9,692,310Expenses 2022: $6,304,553Net Income 2022: $3,387,7572022Revenue 2023: $9,655,827Expenses 2023: $7,823,690Net Income 2023: $1,832,1372023Revenue 2024: $1,972,595Expenses 2024: $31,558,678Net Income 2024: -$29,586,0832024

Highlighted filing

2017

Revenue$6,000,794
Expenses$4,211,830
Net Income$1,788,964
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Sep 19, 2018
Return Version
2017v2.3
Gross Receipts
$6,000,794
Mission and Program Overview

Mission

We exist to provide affordable, quality financial services for the members of our community.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$51,239,830$55,857,016▲ $4,617,186
Savings and Temporary Cash Investments$30,403,285$22,339,271▼ $8,064,014
Investments in Publicly Traded Securities$9,292,797$21,672,868▲ $12,380,071
Rtn Earn Endowment Incm Other Fnds$16,208,852$17,884,351▲ $1,675,499
Investments Other Securities$5,810,993$5,055,738▼ $755,255
Land, Buildings, and Equipment, Net$3,346,737$3,193,984▼ $152,753
Cash and Non-Interest-Bearing Accounts$1,028,857$935,165▼ $93,692
Investments Program Related$806,853$874,120▲ $67,267
Pledges and Grants Receivable$700,000--
Prepaid Expenses and Deferred Charges$94,750$83,732▼ $11,018
Total Assets$103,430,172$110,551,547▲ $7,121,375
Other Assets Total$706,070$539,653▼ $166,417
Liabilities
Other Liabilities$85,895,265$91,555,728▲ $5,660,463
Grants Payable$683,004$610,638▼ $72,366
Accounts Payable and Accrued Expenses$643,051$500,830▼ $142,221
Total Liabilities$87,221,320$92,667,196▲ $5,445,876
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,208,852$17,884,351▲ $1,675,499
Total Liabilities and Net Assets / Fund Balance$103,430,172$110,551,547▲ $7,121,375

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,280,782$1,064,996$3,345,778
Equipment$132,583$751,960$884,543
Land$780,619-$780,619
Compensation and Service Providers
Top Officer Pay38th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Judy HadsallPresidentFT$178,139$8,570$186,709
Greg SnyderCFOFT$128,851$7,297$136,148

Board Members and Trustees

NameTitle
Kem ReedChairman
Brent MckinneyVice Chairma
Deanna MaplesDirector
Harry BradleyDirector
Jim CosgroveDirector
Karl PlumpeDirector
Kimber KyleDirector
Max BuetowDirector
Jim BlahaSecretary/tr
Revenue and Support

Revenue Composition

Contributions and Grants
$681,243
Program Service Revenue
$4,686,632
Investment Income
$632,919
Other Revenue
$0
Change in Net Assets
$1,788,964

Audited Revenue Reconciliation

Revenue per Audited Statements
$6,000,794
Total Revenue per Audited Statements
$6,000,794
Total Revenue per Form 990
$6,000,794
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$2,270,354
Other Expenses$1,941,476
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,465,216
Current Officers, Directors, Trustees, and Key Employees---$322,858
Interest---$221,748
All Other Expenses---$200,298
Other Employee Benefits---$195,655
Other Expenses---$183,821
Depreciation Depletion---$163,744
Pension Plan Contributions---$147,821
Payroll Taxes---$138,804
Occupancy---$136,226
Office Expenses---$98,431
Insurance---$40,585
Advertising---$35,696
Conferences and Meetings---$11,145
Total Functional Expenses$0$0$0$4,211,830

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$4,211,830
Total Expenses per Audited Statements$4,211,830
Total Expenses per Form 990$4,211,830
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 Share Deposits$91,555,728
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
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
Yes
Other officer compensation reviewed
Yes
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, 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 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.”

Filing and Contact Details

Filer

Filer Name
Cu Community Credit Union
EIN
44-0443995
Phone
4178653912
Address
818 N BENTON AVE, SPRINGFIELD, MO 65802

Signing Officer

Name
Judy Hadsall
Title
President
Phone
4178653912
Signed
2018-09-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Judy Hadsall
Formed
1934
Legal Domicile
Mo
Voting Board Members
9
Independent Board Members
9
Employees
49
Volunteers
11

Preparer

Firm
Kpm Cpas Pc
Address
1445 E REPUBLIC RD, SPRINGFIELD, MO 65804
Preparer
Andrew C Clemens CPA
Phone
4178824300
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“The board of directors and supervisory committee are composed of volunteers.”

Form 990, Part XI, Line 9

“Net change in defined benefit plan 49,056”

Financial Statement Notes

Schedule D, Page 3, Part X

“The credit union is exempt from income taxes under the internal revenue code and similar state statutes. The credit union has analyzed the tax positions taken and has concluded that as of december 31, 2017 and 2016, there are no uncertain positions taken, or expected to be taken, that would require recognition of an asset or liability or disclosure in the financial statements. A tax asset or liability would be recognized if the credit union has taken an uncertain position that more likely than not would not be sustained upon examination by taxing authorities. The credit union is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax periods in progress. The credit union believes it is no longer subject to income tax examinations for years prior to 2014. The credit union does not believe it likely that changes will occur within the next fiscal year that will have a material impact on the financial statements.”

Raw XML AppendixShowing 400 of 404 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.

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IRS990/ProgramServiceRevenueGrp/Desc2CARD INTERCHANGE INCOME
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IRS990/PYOtherExpensesAmt01945002
IRS990/PYProgramServiceRevenueAmt05257468
IRS990/PYRevenuesLessExpensesAmt01821774
IRS990/PYSalariesCompEmpBnftPaidAmt01958403
IRS990/PYTotalExpensesAmt03903405
IRS990/PYTotalRevenueAmt05725179
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IRS990ScheduleD/RevenueSubtotalAmt06000794
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT FROM INCOME TAXES UNDER THE INTERNAL REVENUE CODE AND SIMILAR STATE STATUTES. THE CREDIT UNION HAS ANALYZED THE TAX POSITIONS TAKEN AND HAS CONCLUDED THAT AS OF DECEMBER 31, 2017 AND 2016, THERE ARE NO UNCERTAIN POSITIONS TAKEN, OR EXPECTED TO BE TAKEN, THAT WOULD REQUIRE RECOGNITION OF AN ASSET OR LIABILITY OR DISCLOSURE IN THE FINANCIAL STATEMENTS. A TAX ASSET OR LIABILITY WOULD BE RECOGNIZED IF THE CREDIT UNION HAS TAKEN AN UNCERTAIN POSITION THAT MORE LIKELY THAN NOT WOULD NOT BE SUSTAINED UPON EXAMINATION BY TAXING AUTHORITIES. THE CREDIT UNION IS SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS; HOWEVER, THERE ARE CURRENTLY NO AUDITS FOR ANY TAX PERIODS IN PROGRESS. THE CREDIT UNION BELIEVES IT IS NO LONGER SUBJECT TO INCOME TAX EXAMINATIONS FOR YEARS PRIOR TO 2014. THE CREDIT UNION DOES NOT BELIEVE IT LIKELY THAT CHANGES WILL OCCUR WITHIN THE NEXT FISCAL YEAR THAT WILL HAVE A MATERIAL IMPACT ON THE FINANCIAL STATEMENTS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 3, PART X
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IRS990ScheduleD/TotalExpensesPerForm990Amt04211830
IRS990ScheduleD/TotalLiabilityAmt091555728
IRS990ScheduleD/TotalRevenuePerForm990Amt06000794
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IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt04211830
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IRS990ScheduleJ/CompensationCommitteeInd0X
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IRS990/ScheduleJRequiredInd0true
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt04862
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt03708
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE ARE COMPOSED OF VOLUNTEERS.
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 ON AN ANNUAL BASIS.
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 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7COPIES OF THE CREDIT UNION GOVERNING DOCUMENTS, FINANCIAL STATEMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8NET CHANGE IN DEFINED BENEFIT PLAN 49,056
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
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IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalEmployeeCnt049
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
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IRS990/TotalProgramServiceRevenueAmt04686632
IRS990/TotalReportableCompFromOrgAmt0306990
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IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04686632
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt06000794
IRS990/TotalVolunteersCnt011
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IRS990/WhistleblowerPolicyInd0true
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ReturnHeader/ReturnTs02018-10-12T10:51:37-05:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$110,551,547
Liabilities
$92,667,196
Net assets
$17,884,351
Revenue
$6,000,794
Expenses
$4,211,830
Net income
$1,788,964
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$1.97$31.6$29.6
2023Detailed filing. Detailed filing data is available for this year.$183$156$26.4$9.66$7.82$1.83
2022Detailed filing. Detailed filing data is available for this year.$174$149$24.6$9.69$6.30$3.39
2021Detailed filing. Detailed filing data is available for this year.$165$140$25.1$7.38$4.84$2.54
2020Detailed filing. Detailed filing data is available for this year.$143$120$23.0$6.31$4.87$1.44
2019Detailed filing. Detailed filing data is available for this year.$116$94.4$21.3$6.46$5.20$1.26
2017Detailed filing. Detailed filing data is available for this year.$111$92.7$17.9$6.00$4.21$1.79
2016Detailed filing. Detailed filing data is available for this year.$103$87.2$16.2$5.73$3.90$1.82
2014Detailed filing. Detailed filing data is available for this year.$94.8$0.45$94.4$4.81$3.29$1.52
2013Detailed filing. Detailed filing data is available for this year.$90.6$0.48$90.1$4.53$3.49$1.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$87.4$0.69$86.7$2.90
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$70.4$0.53$69.9$2.65