Credit Union Safety Analysis
Is Fedco Credit Union Safe? Jefferson City, Missouri
Based on its Q2 2026 NCUA 5300 call report, Fedco Credit Union has a net worth ratio of 10.86%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Fedco Credit Union's net worth ratio is 10.86%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.86%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 0.19%
- Loan-to-share ratio (Q2 2026): 32.09%
Fedco Credit Union (NCUA charter 64397, established 1960) reported $7.1M in assets and 398 members for Q2 2026 from Jefferson City, Missouri. It ranks 75 of 85 credit unions in Missouri by total assets. Total assets grew 6.7% from $6.7M on June 30, 2025. It had the same number of members on June 30, 2025. Its net worth ratio was down 0.27 percentage points from 11.13% on June 30, 2025. New vehicle loans are its largest loan category, $1.2M of $2.0M in total loans on its June 30, 2026 filing.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 11.00% for Q1 2026; 11.13% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.06% for Q1 2026; 1.02% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 31.73% for Q1 2026; 31.01% for Q2 2025.
Loans by type, Q2 2026
- New vehicle loans: $1.2M
- Used vehicle loans: $669K
- Other secured non-real estate loans and lines of credit: $121K
- Other unsecured loans and lines of credit: $99K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $7.1M | 10.86% | — | 0.19% | 32.09% |
| March 31, 2026 | $7.0M | 11.00% | — | 0.06% | 31.73% |
| December 31, 2025 | $6.7M | 11.60% | 0.10% | 0.25% | 33.29% |
| September 30, 2025 | $6.6M | 11.57% | — | 1.30% | 31.32% |
| June 30, 2025 | $6.7M | 11.13% | — | 1.02% | 31.01% |
| March 31, 2025 | $6.6M | 11.00% | — | 0.07% | 30.67% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 64397) · FFIEC NIC profile (RSSD 121192)
Frequently asked questions
Is Fedco Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Fedco Credit Union's net worth ratio is 10.86%, above the 7% NCUA threshold for well capitalized.
Is Fedco Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Fedco Credit Union is a federally insured credit union (NCUA charter 64397): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Fedco Credit Union's key safety ratios?
For Q2 2026, Fedco Credit Union reports net worth 10.86%, delinquency not reported, ROA 0.19%, loan-to-share 32.09%.
What happens to my money if Fedco Credit Union fails?
For Q2 2026, Fedco Credit Union held $6.4M in shares and deposits for 398 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.