Civic Intelligence

Fedco Credit Union

EIN 44-0651555 • 501(c)14 • Jefferson City, MO

Profile

Fedco credit union is a voluntary, cooperative, non profit savings insitution, incorporated under the provisions of missouri statutes, for the purpose of encouraging thrift and savings among its members, providing credit at a fair and reasonable rate of interest and increase.

701 S Country Club DrJefferson City, MO 65109
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

81st percentile

0.91x

Higher debt load relative to assets than 81% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2022

Liabilities / Revenue

99th percentile

71.10x

Higher debt load relative to revenue than 99% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2022

Net Margin

88th percentile

19%

Higher net margin than 88% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

75th percentile

2.1%

Faster asset growth than 75% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2021 to 2022

Revenue Growth

90th percentile

37%

Faster revenue growth than 90% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2021 to 2022

Assets

Up

$6,651,619

Up $392,085 (+6.3%) from 2024

Liabilities

Up

$5,880,073

Up $348,249 (+6.3%) from 2024

Net Assets

Up

$771,546

Up $43,836 (+6.0%) from 2024

Revenue

Up

$264,365

Up $762 (+0.3%) from 2024

Expenses

Up

$220,529

Up $5,768 (+2.7%) from 2024

Net Income

Down

$43,836

Down $5,006 (-10%) from 2024

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$8.0M$6.0M$4.0M$2.0M$0Assets 2011: $4,402,233Liabilities 2011: $4,023,657Net Assets 2011: $378,5762011Assets 2012: $4,658,540Liabilities 2012: $4,277,157Net Assets 2012: $381,3832012Assets 2013: $4,939,200Liabilities 2013: $4,551,693Net Assets 2013: $387,5072013Assets 2014: $5,034,918Liabilities 2014: $4,642,014Net Assets 2014: $392,9042014Assets 2015: $5,271,911Liabilities 2015: $4,870,582Net Assets 2015: $401,3292015Assets 2016: $5,587,232Liabilities 2016: $5,171,969Net Assets 2016: $415,2632016Assets 2017: $5,658,443Liabilities 2017: $5,219,280Net Assets 2017: $439,1632017Assets 2018: $6,045,996Liabilities 2018: $5,558,538Net Assets 2018: $487,4582018Assets 2019: $6,339,346Liabilities 2019: $5,806,298Net Assets 2019: $533,0482019Assets 2020: $6,327,953Liabilities 2020: $5,750,570Net Assets 2020: $577,3832020Assets 2021: $6,789,668Liabilities 2021: $6,191,709Net Assets 2021: $597,9592021Assets 2022: $6,931,002Liabilities 2022: $6,315,749Net Assets 2022: $615,2532022Assets 2023: $6,186,688Liabilities 2023: $5,507,820Net Assets 2023: $678,8682023Assets 2024: $6,259,534Liabilities 2024: $5,531,824Net Assets 2024: $727,7102024Assets 2025: $6,651,619Liabilities 2025: $5,880,073Net Assets 2025: $771,5462025

Highlighted filing

2025

Assets$6,651,619
Liabilities$5,880,073
Net Assets$771,546

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$300K$200K$100K$0Expenses 2011: $69,9842011Expenses 2012: $59,7262012Revenue 2013: $66,406Expenses 2013: $60,305Net Income 2013: $6,1012013Revenue 2014: $62,320Expenses 2014: $56,942Net Income 2014: $5,3782014Revenue 2015: $67,205Expenses 2015: $58,809Net Income 2015: $8,3962015Revenue 2016: $76,985Expenses 2016: $63,079Net Income 2016: $13,9062016Revenue 2017: $93,018Expenses 2017: $69,143Net Income 2017: $23,8752017Revenue 2018: $130,055Expenses 2018: $81,778Net Income 2018: $48,2772018Revenue 2019: $161,537Expenses 2019: $115,964Net Income 2019: $45,5732019Revenue 2020: $106,450Expenses 2020: $62,136Net Income 2020: $44,3142020Revenue 2021: $64,760Expenses 2021: $44,194Net Income 2021: $20,5662021Revenue 2022: $88,825Expenses 2022: $71,547Net Income 2022: $17,2782022Revenue 2023: $224,933Expenses 2023: $161,320Net Income 2023: $63,6132023Revenue 2024: $263,603Expenses 2024: $214,761Net Income 2024: $48,8422024Revenue 2025: $264,365Expenses 2025: $220,529Net Income 2025: $43,8362025

Highlighted filing

2025

Revenue$264,365
Expenses$220,529
Net Income$43,836

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$6.65$5.88$0.77$0.26$0.22$0.04
2024Detailed filing. Detailed filing data is available for this year.$6.26$5.53$0.73$0.26$0.21$0.05
2023Detailed filing. Detailed filing data is available for this year.$6.19$5.51$0.68$0.22$0.16$0.06
2022Detailed filing. Detailed filing data is available for this year.$6.93$6.32$0.62$0.09$0.07$0.02
2021Detailed filing. Detailed filing data is available for this year.$6.79$6.19$0.60$0.06$0.04$0.02
2020Detailed filing. Detailed filing data is available for this year.$6.33$5.75$0.58$0.11$0.06$0.04
2019Detailed filing. Detailed filing data is available for this year.$6.34$5.81$0.53$0.16$0.12$0.05
2018Detailed filing. Detailed filing data is available for this year.$6.05$5.56$0.49$0.13$0.08$0.05
2017Detailed filing. Detailed filing data is available for this year.$5.66$5.22$0.44$0.09$0.07$0.02
2016Detailed filing. Detailed filing data is available for this year.$5.59$5.17$0.42$0.08$0.06$0.01
2015Detailed filing. Detailed filing data is available for this year.$5.27$4.87$0.40$0.07$0.06$0.01
2014Detailed filing. Detailed filing data is available for this year.$5.03$4.64$0.39$0.06$0.06$0.01
2013Detailed filing. Detailed filing data is available for this year.$4.94$4.55$0.39$0.07$0.06$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.66$4.28$0.38$0.06
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.40$4.02$0.38$0.07
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 15, 2026
Return Version
2025v4.0
Gross Receipts
$264,365
Mission and Program Overview

Mission

Fedco credit union is a voluntary, cooperative, non profit savings insitution, incorporated under the provisions of missouri statutes, for the purpose of encouraging thrift and savings among its members, providing credit at a fair and reasonable rate of interest and increase.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$3,738,000$4,000,000▲ $262,000
Other Notes and Loans Receivable, Net$1,549,506$1,769,084▲ $219,578
Cash and Non-Interest-Bearing Accounts$659,928$615,674▼ $44,254
Rtn Earn Endowment Incm Other Fnds$371,144$414,980▲ $43,836
Pd in Cap Srpls Land Bldg Eqp Fund$356,566$356,566→ $0
Receivables From Officers Etc$244,551$186,062▼ $58,489
Savings and Temporary Cash Investments$11,573$11,590▲ $17
Prepaid Expenses and Deferred Charges$742$842▲ $100
Total Assets$6,259,534$6,651,619▲ $392,085
Other Assets Total$55,234$68,367▲ $13,133
Liabilities
Other Liabilities$5,527,448$5,875,712▲ $348,264
Accounts Payable and Accrued Expenses$4,376$4,361▼ $15
Total Liabilities$5,531,824$5,880,073▲ $348,249
Net Assets / Fund Balance
Total Net Assets Fund Balance$727,710$771,546▲ $43,836
Total Liabilities and Net Assets / Fund Balance$6,259,534$6,651,619▲ $392,085

Asset Categories

AssetBook ValueDepreciationBasis
Other Securities$4,000,000--
Compensation and Service Providers

Board Members and Trustees

NameTitle
Nicholas RobertsPresident
Alisha KissingerDirector
Cara NilgesDirector
Nick SchollmeyerDirector
Ronda BryantManager
Kathy BentlageSecretary
Calvin WilbersTreasurer
Chris DuncanVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$264,365
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$43,836
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$220,529
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Insurance---$3,836
Other Expenses---$2,303
All Other Expenses---$2,061
Office Expenses---$340
Conferences and Meetings---$243
Total Functional Expenses$0$0$0$220,529
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$244,551$186,062▼ $58,489
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$5,875,712
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

Members with accounts in good standing are eligible to vote at the annual meeting.

Form 990, Page 6, Part VI, Line 7A

All board members are elected to their office by the members of the organization at the annual meeting.

Form 990, Page 6, Part VI, Line 7B

Membership must vote and approve all changes to the organization by-laws at an annual meeting.

Form 990, Page 6, Part VI, Line 11B

Form 990 is reviewed by the board members prior to its regular meeting and voted on after review.

Form 990, Page 6, Part VI, Line 12C

Board members are required to file a conflict of interest statement at the beginning of each meeting year and are required to disclose at interim meetings if there are any changes that would affect conflict of interest.

Form 990, Page 6, Part VI, Line 19

All documents and financial statements are available upon request to any member at the office of the organization. This is also required by state statutes governing credit unions.

Filing and Contact Details

Filer

Filer Name
Fedco Credit Union
EIN
44-0651555
Phone
5738931474
Address
701 S COUNTRY CLUB DR, JEFFERSON CITY, MO 65109

Signing Officer

Name
Nicholas Roberts
Title
President
Phone
5738931457
Signed
2026-03-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Nicholas Roberts
Voting Board Members
7
Independent Board Members
7
Employees
0

Preparer

Firm
Seaver & Forck Cpas
Address
3523 AMAZONAS DR, JEFFERSON CITY, MO 65109
Preparer
Jamie Seaver
Phone
5736365507
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

Fedco credit union is a voluntary, cooperative, non profit savings insitution, incorporated under the provisions of missouri statutes, for the purpose of encouraging thrift and savings among its members, providing credit at a fair and reasonable rate of interest and increase.

Form 990, Page 1, Part I, Line 6

Board and committee members serve on a volunteer basis.

Raw XML AppendixShowing 400 of 409 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt02023 TOYOTA TUNDRA
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt12026 HONDA CRV
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt21973 CHEVY CORVETTE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt32023 FORD EDGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt42023 CHEVY TAHOE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5TOYOTA RAV 4
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt62023 GMC TERRAIN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt72017 TOYOTA HIGHLANDER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt82022 CHEVY EQUINOX
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt92020 CHEVROLET EQUINOX
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10SIGNATURE LOAN
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt135000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt228000
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt105000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0ANDY BAX
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1RONDA BRYANT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2CHRIS DUNCAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3CARA NILGES
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4JESSICA BURGER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5ANDY BAX
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6ALICIA KISSINGER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7PAUL HECKEMEYER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8NICK ROBERTS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm9CALVIN WILBERS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm10ANDY BAX
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0CREDIT COMMITTEE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1MANAGER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2VICE PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4SUPERVISORY COMMITTE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5CREDIT COMMITTEE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7CREDIT COMMITTEE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt8PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt9BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt10CREDIT COMMITTEE
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IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt0ANDY BAX FROM 5,000 1,093 SIGNATURE LOAN ( ) IN DEFAULT (X) APPROVED BY BOARD/COMMITTEE (X) WRITTEN AGREEMENT
IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE L, PART II
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0FEDCO CREDIT UNION IS A VOLUNTARY, COOPERATIVE, NON PROFIT SAVINGS INSITUTION, INCORPORATED UNDER THE PROVISIONS OF MISSOURI STATUTES, FOR THE PURPOSE OF ENCOURAGING THRIFT AND SAVINGS AMONG ITS MEMBERS, PROVIDING CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST AND INCREASE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BOARD AND COMMITTEE MEMBERS SERVE ON A VOLUNTEER BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS WITH ACCOUNTS IN GOOD STANDING ARE ELIGIBLE TO VOTE AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ALL BOARD MEMBERS ARE ELECTED TO THEIR OFFICE BY THE MEMBERS OF THE ORGANIZATION AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4MEMBERSHIP MUST VOTE AND APPROVE ALL CHANGES TO THE ORGANIZATION BY-LAWS AT AN ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FORM 990 IS REVIEWED BY THE BOARD MEMBERS PRIOR TO ITS REGULAR MEETING AND VOTED ON AFTER REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6BOARD MEMBERS ARE REQUIRED TO FILE A CONFLICT OF INTEREST STATEMENT AT THE BEGINNING OF EACH MEETING YEAR AND ARE REQUIRED TO DISCLOSE AT INTERIM MEETINGS IF THERE ARE ANY CHANGES THAT WOULD AFFECT CONFLICT OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ALL DOCUMENTS AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST TO ANY MEMBER AT THE OFFICE OF THE ORGANIZATION. THIS IS ALSO REQUIRED BY STATE STATUTES GOVERNING CREDIT UNIONS.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/USAddress/AddressLine1Txt0PO BOX 658
IRS990/USAddress/CityNm0JEFFERSON CITY
IRS990/USAddress/StateAbbreviationCd0MO
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0NICHOLAS ROBERTS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum05738931457
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-03-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FEDCO CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0FEDC
ReturnHeader/Filer/EIN0440651555
ReturnHeader/Filer/PhoneNum05738931474
ReturnHeader/Filer/USAddress/AddressLine1Txt0701 S COUNTRY CLUB DR
ReturnHeader/Filer/USAddress/CityNm0JEFFERSON CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd065109
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0261136632
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0SEAVER & FORCK CPAS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03523 AMAZONAS DR
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0JEFFERSON CITY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MO

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