Multipli Federal Credit Union Jefferson City, Missouri
Multipli Federal Credit Union is a federal credit union headquartered in Jefferson City, MO, established in 1954 (NCUA charter 24955), and it is regulated and insured by the NCUA. At Q2 2026 it reported 77,048 members and total assets of $1.47B (up 7.7% from Q2 2025), the 3rd largest of 85 credit unions headquartered in Missouri. Its net worth ratio was 10.59% at Q2 2026, in the well capitalized band.
Also written as Multipli FCU · Trade names filed with the NCUA: River Region Credit Union, Multipli Credit Union, Missouri Credit Union and River Region Community Federal Credit Union
BankRegReports is independent of Multipli Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24955
- Headquarters
- Jefferson City, MO
- Established
- 1954
- Total assets, Q2 2026
- $1.47B
- Assets vs Q2 2025
- +7.7%
- Members, Q2 2026
- 77,048
- Net worth ratio, Q2 2026
- 10.59%
- Latest call report
- Q2 2026, NCUA 5300 · Multipli Federal Credit Union call report
- Asset rank in state
- 3rd of 85 in Missouri
- Routing number
- 286580917
- Branches
- 13
It has 1,673 more members than on June 30, 2025 (+2.2%). Its net worth ratio was up 0.67 percentage points from 9.92% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $363.3M of $1.02B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.31% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 10.59% net worth ratio is below that band's 10.89% median.
Credit unions merged into Multipli Federal Credit Union
Missouri Credit Union (2025) · Multipli Credit Union (2024) · First Financial Credit Union (2016)
Frequently asked about Multipli Federal Credit Union
How big is Multipli Federal Credit Union?
At Q2 2026 it reported total assets of $1.47B and 77,048 members.
Where is Multipli Federal Credit Union headquartered?
It is headquartered in Jefferson City, MO, United States.
When was Multipli Federal Credit Union founded?
It was established in 1954, per NCUA records.
Is Multipli Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24955): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Multipli Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Multipli Federal Credit Union well capitalized?
Its net worth ratio was 10.59% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Multipli Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.31% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Multipli Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 78.50% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Jefferson City, MO 65109
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 24955
- RSSD ID
- 581590
- Members
- 77,048
- Potential members
- 900,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 10.59% | 10.89% | 43rd below |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.49% | 0.89% | 84th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 14.05% | 8.07% | over 90th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.53% | 3.45% | 56th above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 65.94% | 70.59% | 66th above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.76% | 1.68% | 44th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.31% | 0.68% | 89th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.29% | 5.12% | 62nd position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 78.50% | 88.03% | 26th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.47B total assets against $1.36B; $1.29B total shares and deposits against $1.19B; $1.02B total loans against $880.4M.
$155.6M net worth against $135.3M.
10.59% net worth ratio against 9.92%.
78.50% loan-to-share ratio against 73.75%.
0.31% delinquency ratio against 0.49%.
1.49% return on assets against 1.15%; 14.05% return on equity against 11.55%.
3.53% net interest margin against 3.69%.
77,048 members against 75,375.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.59% | 1.49% | 0.31% | 78.50% |
| March 31, 2026 | 10.47% | 1.29% | 0.33% | 73.28% |
| December 31, 2025 | 10.45% | 1.11% | 0.52% | 75.11% |
| September 30, 2025 | 10.22% | 1.40% | 0.38% | 74.55% |
| June 30, 2025 | 9.92% | 1.15% | 0.49% | 73.75% |
| March 31, 2025 | 9.85% | 0.96% | 0.69% | 83.33% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.