# MULTIPLI
Jefferson City, MO · NCUA charter 24955 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/multipli-24955

Who the members are: federal charter, community charter, organized 1954, low-income designated. 75,658 members of 900,000 potential (8.4% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 140.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.43B |
| Members | 75,658 (74.3% YoY) |
| Full-time staff | 209 |
| Net worth | $150.2M |
| Net worth ratio | 10.5% (p44 of band) |
| ROA (annualized) | 1.29% (p86 of band) |
| Total delinquency | 0.33% (p19 of band) |
| Net charge-offs (annualized) | 0.39% (p34 of band) |
| Loans / shares | 73% (p20 of band) |
| Cash / assets | 14.5% |
| Borrowings / assets | 0.47% |
| Net interest margin | 3.46% (p60 of band) |
| Operating expense / assets | 3.09% (p43 of band) |
| Vehicles % of loans | 50% (p89 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 66% |
| Third-party paper % of net worth | 226% (p71 of band) |
| Vehicle delinquency | 0.46% (p34 of band) |
| Vehicle NCO | 0.55% (p21 of band) |
| Repossessed % of vehicle book | 0.04% (p36 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 37% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 31% |
| Average share balance | $7,868 |
| Participations bought / yr | $17.9M |
| Participations sold / yr | $0 |
| Participations outstanding | $65.9M |
| Loans outstanding per 100 members | 140% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $8,791 |
| Loans granted, annualized | $509.6M |

## Participation posture (from the same filings)

Bought $17.9M and sold $0 in the latest annualized quarter; $65.9M outstanding purchased (43.9% of net worth), $7.1M sold and retained. Sold in 2 and bought in 6 of the last 8 quarters. Shares 94.6% year over year.

## Flags firing in the latest filing

- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2023-12 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | thin capital |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-02 [Sponsored Content: Multipli Credit Union: Taking Out a Mortgage – KOLR - OzarksFirst.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNNklFQ3RKekQtSHU3eFdoU05GVHVaZ2RMNU9tTlZmZ2JFSURhbGxFcVAxWGVpcnVoNmpZY3prXzRFVGpJV2V3dklKdWFmdGhjeF9CdUlsTl9seHdjbHVDUHVtWmdiZGo3TmdyRjlWcko3YWhfUkwxN1BzQm51dWlaWVU2YVR6Skh3ZE5KZUR2eWZfcG9nLTd5Q2xJeG5CZjRXaG92NzNBLVE?oc=5) · OzarksFirst.com
- 2026-02-04 [Multipli Credit Union’s new building to be completed by early fall - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMikAFBVV95cUxPZjBWVXI4aGZIeDh0TEJfNkFYR0kxVVlwZXhpelFvMFNpdEJSTjBXX2xuZ1BxTXRIaG5zeW54djVNLXloTldNMDhONm9oSkZKSUhROVdDWEktWTFWZldMRXFkUzVqVjVjckNmZUlNT1BDT1ZFdFBNOHk2ekJBZG5uWVZpTE14RzAtdHFrbTZRSjM?oc=5) · Jefferson City News Tribune
- 2025-05-27 [River Region and Missouri Credit Unions debut new merged name: Multipli Credit Union - KOMU 8](https://news.google.com/rss/articles/CBMihgJBVV95cUxPcUhTT19qeXBPUm9kdTVxNFlDVlN1U2U1TWQ0UUpvYUl4RHlzX25vSGszR0ppTGh6MlpjOU1oVEd5Vy1DRlRWY2ZieUZwc05xMURlYXNGV1k5dUV2VWVBTnhMMERRc3VjVEtGUkJNQWVTQms4bURYV05wN3dsZ2VuNUt1RGxDby1MNjF2bkxKd3VVeTBmcTBPd21TcXN1VmV1bmpPLXgtQm95OWVFQjdzd19DR0VpbFowVzhzVlg0UEFoVmJqdnN0VWdhbkF3MVQyUjNaclVoNEVLMnZwZzdyY014YkFZVzRMSHpLQjNsYkk5ZnozbDUwQjRma3FoX0Vmb2lzNjZ3?oc=5) · KOMU 8
- 2025-10-23 [Think Pink Putting Challenge moves to Multipli Credit Union - KRCG](https://news.google.com/rss/articles/CBMigwJBVV95cUxOT05SdEZIZDA5MEdkYmVJVmxwR0VtQ1VsUXdnZkdWb0swbGgwcVVqSmdVMHAtUk1YZy1WTm05dHdFSHZyUWZXTzFuYXRxMnoxSHJTNkVxMmx3YlVvd0VJS25VS1JKMHhvZjJWNl9HQmVpU0I5eFZuZzBMN0szLVBhMVVETlpYSUhubXlmR25JamFuZzVqQ0ZLTVA4WDZWS1ZNSk9YYVhQVHowRTU3REJ0czhEdnphbkpHTkZKeDNSeFVFQXBzc2Nha2I1NUdxLTFOM0hLazR0MnBmdXVSU3YzdnZhODNMRlRKSFh3UE9ueVR0Y3haZ3cwSXhxeWhod2FsTUlV?oc=5) · KRCG
- 2025-08-26 [Multipli Credit Union Enhances its Elite Partnership with Mizzou Athletics - Learfield](https://news.google.com/rss/articles/CBMirgFBVV95cUxPaWZkaUVSOHl3QXAwSzV2Wm1Ndms4UHczbURaRS1SVUZFQWIzbk1EYU5sTVFBekoyT1JDb2J2T3l2Q0Fpd0Q5bGpkTFFaMzViei1TcE1IUGNVd2dIUkNlRjl0ZUM2UnFlWkphYXY1VmJjOUcwakc3TzVmR3VjSDlTbE9JTTFwa1dtU2MwakszYjA1Q2FSMV9lZlhjUHJQS0tVNE5Ta0x2cHYyMGlkSEE?oc=5) · Learfield
- 2026-03-25 [Construction moving along on Southwest Boulevard Multipli Credit Union - Jefferson City News Tribune](https://news.google.com/rss/articles/CBMimgFBVV95cUxOckVBYVg0XzVYMXNQZW4yLURPMkl5MWxFT1hERERRSjJNX05LY05qbWVNc2lWTFVjQ3puM1dBdkF3bjM3MDh4blBLRGhKZnlQTDhTVVVrTDVBUHA5X0NIeXlxTlNrNWFodWo2cFVaQU5XOTJqMk5GNFhnaEpyblJldjM0SFpKN1lUN0JBcWV5ODZSa285Q2ljOUp3?oc=5) · Jefferson City News Tribune
- 2025-05-28 [Multipli selected as name for combined credit union entity - Springfield Business Journal](https://news.google.com/rss/articles/CBMikgFBVV95cUxQUWtpM2JHMDI1aEc4ZkhaVHVVTFJmZ2pNblE3aHpTRVJiaTRxdy1WWmZITklzS01DQlF4SjBsVXNtNzA5bjdvTlBjbWhlMU1qQ0x4amdZOE5CUHdMU1lNV2F6MTZmb2M2ZE1tZUNnR0RpeXBxSVJabUNBMVB5cG1SaGJ5QWIzTWQ2UnV1MWpxOEFadw?oc=5) · Springfield Business Journal
- 2024-11-08 [River Region Credit Union eyes growth after merger with Multipli - Springfield Business Journal](https://news.google.com/rss/articles/CBMimgFBVV95cUxQNWdZSjhod3EtbTdvdFIzU241eTRLSGx1N25laGR1cjN3aE81RTRRTTFRVnc5Tl9oZ1MxU3VfalNadUhQbnJaQTlCTzFURlBKR0JWcnNic2hkMjBvR2MtZlBuWG80VXhIWmNRWjR1RUNBb25kb2pLVElTa3ZYQklYQWhwYURGQ0VycG9IckFjSU9idTZ2NHMxSXJn?oc=5) · Springfield Business Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24955 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/59.json (key "24955", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24955
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide