State credit union · Jefferson City, Missouri · NCUA charter #64397
FEDCO
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $6.7M
- Total assets
- 411
- Members
- 11.0%
- Net-worth ratio
FEDCO scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.7M; members 411; net-worth ratio 11.00%; health rank #805 of 4,374; healthier than 80th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#805 of 4,374 health · 2025Q4FEDCO · health 92/100 · $6.7M · 2025Q4
Call Report peers
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FEDCO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); FEDCO sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where FEDCO diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Delinquency Rate: -1.71 pp (0.10% vs 1.81%).
- Largest lag: Loan-to-Share Ratio at 33.29% vs peer 63.60% (-30.31 pp).
Missouri standing for FEDCO
- In Missouri, health place is #28 of 89 on the same NCUA-ratio sort used nationally.
- By total assets, FEDCO is #76 of 89 in Missouri.
- Membership ranks #84 of 89 among Missouri CUs with a reported count (411 members).
- One place up in Missouri, Northwest Missouri Regional (#27) ties at 92/100; one place down, CSD (#29) scores 91/100, 1 point lower.
Quarter path for FEDCO
FEDCO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.6% from $6.7M (2025Q4) to $7.0M (2026Q1).
- Net-worth ratio shifted -0.60 pp (11.60% → 11.00%).
This credit union's 11.00% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
FEDCO gives up 8 points in total. Loan-to-Share Ratio costs the most, 6 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.9 pts
- Loan-to-Share Ratio 9.1 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.00% | -8.06 pp |
| Delinquency Rate | 0.10% | -1.71 pp |
| Return on Assets | 0.73% | +0.28 pp |
| Member Growth | 3.27% | - |
| Loan-to-Share Ratio | 33.29% | -30.31 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
FEDCO quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.0M | - |
| 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
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for FEDCO.
| Office | City |
|---|---|
| FEDCO Credit Union (Main Office) | Jefferson City, MO |
| Central Bank | Jefferson City, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, ordered by peer group match and asset size.
Other-state peers near FEDCO
Similar health score
Using this data
- FEDCO ranks #805 of 4,374 nationally on financial health and #28 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Southeast Missouri Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Southeast Missouri Community
Frequently Asked Questions
Is FEDCO financially healthy?
FEDCO has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #805 of 4,374 nationally on health and #28 of 89 in Missouri. Its net worth ratio is 11.00% and its delinquency rate 0.10%.
How does FEDCO compare to other credit unions?
FEDCO scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.10% vs 1.81%). Its widest shortfall is loan-to-share ratio (33.29% vs 63.60%).
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?
FEDCO is a state-chartered credit union; its shares are federally 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 11.00% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.