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
- RANK 92/100
- PHOTO 11.0%
- BOOK 0.10%
- CHARTER 0.73%
- NCUSIF $6.7M
- CAMELS 411
- HEALTH #805/4,374
- NW n/a
- DELQ 64397
Call Report peers
FEDCO carries $6.7M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
FEDCO vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
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).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for FEDCO
FEDCO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.6% from $6.7M (2025Q4) to $7.0M (2026Q1).
- Net-worth ratio shifted -0.60 pp (11.60% → 11.00%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
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
FEDCO's nationwide photo peers by assets and by health score, excluding Missouri charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Missouri credit unions compare overall before assuming this one is typical. Missouri state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is FEDCO financially healthy?
A 11.00% net worth ratio and a 0.10% delinquency rate feed into FEDCO's financial health score of 92/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #805 of 4,374; by total assets it ranks #3,749 of 4,374 nationally (same basis as /rankings/largest); and #76 of 89 within Missouri. 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 92/100, 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 11.00% exceeds 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.
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.