State credit union · Jefferson City, Missouri · NCUA charter #64397
Fedco
Health score 79/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $6.7M
- Total assets
- 411
- Members
- 6.2%
- Net-worth ratio
Fedco - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #64397 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Fedco - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)56
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth86
- Liquidity (loan-to-share)60
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 6.24% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.24% | 30% |
| Delinquency Rate | 0.10% | 25% |
| Return on Assets | 0.73% | 15% |
| Member Growth | 3.27% | 15% |
| Loan-to-Share Ratio | 33.29% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $6.7M | 411 |
| 2024Q4 | $6.3M | 398 |
| 2023Q4 | $6.2M | 401 |
Credit Union Details
- Charter Number
- 64397
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Missouri
- City
- Jefferson City
- Data Quarter
- 2025Q4
What This Data Says About Fedco
411 members and $6.7M in total assets sit behind Fedco, a state credit union in Jefferson City, Missouri, which posts a health score of 79/100 (Very Good) on the five-factor composite, with $2.0M in outstanding loans as of Q4 2025 and a net worth ratio of 6.24% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #64397 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
0.10% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 33.29% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.73% on net income of $49K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 3.27%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Fedco financially healthy?
A 6.24% net worth ratio and a 0.10% delinquency rate feed into Fedco's financial health score of 79/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Fedco compare to other credit unions?
On PlainCU's health composite, Fedco lands at 79/100, compared to a peer group average for $2M–$10M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Fedco?
Membership eligibility for Fedco depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Fedco directly for current membership requirements and application steps.
Is my money safe at Fedco?
Federal credit unions like Fedco are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Fedco's net worth ratio of 6.24% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Fedco offer compared to banks?
Credit unions like Fedco are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Fedco directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.