Civic Intelligence

Fedco Credit Union

990 • Fiscal year 2017 • EIN 44-0651555

Jan 01, 2017 to Dec 31, 2017 • Filed on Apr 20, 2018

Organization Profile
701 S Country Club DrJefferson City, MO 65109

(573) 893-1474

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

92nd percentile

0.92x

Higher debt load relative to assets than 92% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Liabilities / Revenue

99th percentile

56.11x

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

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Net Margin

96th percentile

26%

Higher net margin than 96% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Top Officer Pay

18th percentile

$0

Higher top officer pay than 18% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Asset Growth

53rd percentile

1.3%

Faster asset growth than 53% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Revenue Growth

97th percentile

21%

Faster revenue growth than 97% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Up

$5,658,443

Up $71,211 (+1.3%) from 2016

Net Assets

Up

$439,163

Up $23,900 (+5.8%) from 2016

Liabilities

Up

$5,219,280

Up $47,311 (+0.9%) from 2016

Revenue And Expenses
Liabilities / Revenue99th percentileNet Margin96th percentile

Revenue

Up

$93,018

Up $16,033 (+21%) from 2016

Expenses

Up

$69,143

Up $6,064 (+9.6%) from 2016

Net Income

Up

$23,875

Up $9,969 (+72%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth53rd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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

2017

Assets$5,658,443
Liabilities$5,219,280
Net Assets$439,163
Open 2017 Filing

Operations Trend

Revenue Growth97th percentile

Revenue, expenses, and net income across loaded years, with this 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

2017

Revenue$93,018
Expenses$69,143
Net Income$23,875
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Apr 20, 2018
Return Version
2017v2.3
Gross Receipts
$93,018
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$4,147,000$4,345,000▲ $198,000
Other Notes and Loans Receivable, Net$868,482$885,949▲ $17,467
Pd in Cap Srpls Land Bldg Eqp Fund$356,459$356,484▲ $25
Savings and Temporary Cash Investments$334,652$196,102▼ $138,550
Cash and Non-Interest-Bearing Accounts$170,494$159,055▼ $11,439
Rtn Earn Endowment Incm Other Fnds$58,804$82,679▲ $23,875
Receivables From Officers Etc$12,275$13,786▲ $1,511
Prepaid Expenses and Deferred Charges$1,791$1,089▼ $702
Total Assets$5,587,232$5,658,443▲ $71,211
Other Assets Total$52,538$57,462▲ $4,924
Liabilities
Other Liabilities$5,170,932$5,217,967▲ $47,035
Accounts Payable and Accrued Expenses$1,037$1,313▲ $276
Total Liabilities$5,171,969$5,219,280▲ $47,311
Net Assets / Fund Balance
Total Net Assets Fund Balance$415,263$439,163▲ $23,900
Total Liabilities and Net Assets / Fund Balance$5,587,232$5,658,443▲ $71,211

Asset Categories

AssetBook ValueDepreciationBasis
Other Securities$4,345,000--
Compensation and Service Providers
Top Officer Pay18th percentile

Board Members and Trustees

NameTitle
Doug GlickPresident
Carol LageDirector
Nick SchollmeyerDirector
Randy SiedelDirector
Janet RehagenCEO
Debbie KempkerSecretary
Ronda BryantTreasurer
Nicholas RobertsVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$93,018
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$23,875
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$69,143
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---$3,938
Office Expenses---$2,292
Other Expenses---$1,016
All Other Expenses---$334
Conferences and Meetings---$54
Total Functional Expenses$0$0$0$69,143
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$12,275$13,786▲ $1,511
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$5,217,967
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 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
Doug Glick
Title
President
Phone
5738931474
Signed
2018-04-20
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Doug Glick
Voting Board Members
7
Independent Board Members
7
Employees
0

Preparer

Firm
Seaver & Forck Cpas
Address
3523 AMAZONAS DRIVE, JEFFERSON CITY, MO 65109-5717
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.”

Form 990, Part XI, Line 9

“MEMBER ENTRY FEES 25”

Raw XML Appendix335 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/PersonNm2RONDA BRYANT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2TREASURER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/TotalBalanceDueAmt013786
IRS990/ScheduleORequiredInd0true
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/ExplanationTxt8MEMBER ENTRY FEES 25
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt05587232
IRS990/TotalAssetsEOYAmt05658443
IRS990/TotalAssetsGrp/BOYAmt05587232
IRS990/TotalAssetsGrp/EOYAmt05658443
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt069143
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt05171969
IRS990/TotalLiabilitiesEOYAmt05219280
IRS990/TotalLiabilitiesGrp/BOYAmt05171969
IRS990/TotalLiabilitiesGrp/EOYAmt05219280
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0415263
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0439163
IRS990/TotalProgramServiceRevenueAmt093018
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt093018
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt093018
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05587232
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05658443
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 658
IRS990/USAddress/CityNm0JEFFERSON CITY
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd065102
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DOUG GLICK
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum05738931474
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-04-20
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/FilingSecurityInformation/AtSubmissionCreationDeviceId0ED20FB6FB0C6E4F9C7EE583B93A688073C837C06
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId09E468931AB191F01A42163352A71363C4EFC040E
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt063.234.93.226
ReturnHeader/FilingSecurityInformation/IPDt02018-04-20
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm015:42:14
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0261136632
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0SEAVER & FORCK CPAS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03523 AMAZONAS DRIVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0JEFFERSON CITY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0651095717
ReturnHeader/PreparerPersonGrp/PhoneNum05736365507
ReturnHeader/PreparerPersonGrp/PreparationDt02018-04-19
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JAMIE SEAVER
ReturnHeader/ReturnTs02018-04-20T15:42:14-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,658,443
Liabilities
$5,219,280
Net assets
$439,163
Revenue
$93,018
Expenses
$69,143
Net income
$23,875
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