FEDCO

Charter #64397 | MO

<100M (2596 CUs) Micro
60 <100M in MO

FEDCO has 8 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.11% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Efficiency Ratio: Top 0.7% in tier
  • + Member Growth Rate: Top 8.3% in tier
  • + Net Charge-Off Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

  • - Members Per Employee (MPE): Bottom 0.0% in tier
  • - Net Interest Margin (NIM): Bottom 0.9% in tier
  • - Fee Income Per Member: Bottom 4.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Members 411
+4.1% YoY+3.3% QoQ
 -2.2K 2,625
-2.2% YoY
 15,920
+4.0% YoY
 33,089
+6.1% YoY
 Bottom 11.6% in tier
Assets $6.6M
+4.4% YoY-1.0% QoQ
 $-23.2M $29.9M
+1.1% YoY
 $210.9M
+9.4% YoY
 $547.7M
+7.8% YoY
 Bottom 24.4% in tier
Loans $1.8M
+1.5% YoY-0.6% QoQ
 $-13.9M $15.8M
-2.4% YoY
 $147.8M
+9.0% YoY
 $388.7M
+8.6% YoY
 Bottom 16.7% in tier
Deposits $5.9M
+4.2% YoY-1.5% QoQ
 $-19.6M $25.5M
+0.4% YoY
 $183.9M
+12.2% YoY
 $464.6M
+9.3% YoY
 26th in tier
ROA 0.8%
-14.7% YoY+45.9% QoQ
 +0.1% 0.7%
-731.4% YoY
 0.6%
+117.2% YoY
 0.7%
+273.4% YoY
 52nd in tier
NIM 1.0%
-17.4% YoY+28.5% QoQ
 -2.9% 3.9%
+3.8% YoY
 3.8%
+3.2% YoY
 3.7%
+5.0% YoY
 Bottom 0.8% in tier
Efficiency Ratio 24.0%
-9.3% YoY-27.4% QoQ
 -57.4% 81.4%
-2.4% YoY
 78.5%
-6.5% YoY
 79.1%
-3.3% YoY
 Bottom 0.7% in tier
Delinquency Rate 0.0% -1.5 1.5%
-2.0% YoY
 1.2%
+9.9% YoY
 1.2%
-0.9% YoY
 Bottom 0.0% in tier
Loan To Share 31.3%
-2.6% YoY+1.0% QoQ
 -29.9% 61.2%
-3.0% YoY
 72.3%
-3.7% YoY
 68.0%
-1.7% YoY
 Bottom 11.1% in tier
AMR $18,723
-0.5% YoY-4.4% QoQ
 +$4K $14,627
-2.7% YoY
 $16,810
+3.4% YoY
 $19,418
+1.3% YoY
 74th in tier
CD Concentration 0.0% -24.4% 24.4%
+4.2% YoY
 18.1%
+9.5% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 10.3%
-9.1% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 2596 peers in tier

Top Strengths (7 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Avg: 1.51%
#1 of 2596 Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 2.84%
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 14.49%
#1 of 2596 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 15.37%
#1 of 2596 Top 0.0% in <100M tier
19
Efficiency Ratio
profitability
Value: 23.95%
Peer Avg: 81.39%
#19 of 2596 Top 0.7% in <100M tier
217
Member Growth Rate
growth
Value: 4.05%
Peer Avg: 14.92%
#217 of 2596 Top 8.3% in <100M tier
246
Net Charge-Off Rate
risk
Value: 0.00%
Peer Avg: 0.57%
#246 of 2596 Top 9.4% in <100M tier

Top Weaknesses (7 metrics)

2596
Members Per Employee (MPE)
engagement
Value: -
Peer Avg: 365.701
#2596 of 2596 Bottom 0.0% in <100M tier
2574
Net Interest Margin (NIM)
profitability
Value: 1.04%
Peer Avg: 3.93%
#2574 of 2596 Bottom 0.9% in <100M tier
2484
Fee Income Per Member
profitability
Value: $0.03
Peer Avg: $182.96
#2484 of 2596 Bottom 4.4% in <100M tier
2305
Loan-to-Share Ratio
balance_sheet
Value: 31.32%
Peer Avg: 61.23%
#2305 of 2596 Bottom 11.2% in <100M tier
2295
Total Members
engagement
Value: 411
Peer Avg: 2,626
#2295 of 2596 Bottom 11.6% in <100M tier
2162
Total Loans
balance_sheet
Value: $1.84M
Peer Avg: $15.77M
#2162 of 2596 Bottom 16.8% in <100M tier
1963
Total Assets
balance_sheet
Value: $6.63M
Peer Avg: $29.86M
#1963 of 2596 Bottom 24.4% in <100M tier