PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Fedco

Jefferson City, MO · Charter 64397

NCUA · 2 branches

Q2 2026

$7.1MAssets
$2.0MLoans
$6.4MShares
$776KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.12%, down 42 bps year over year; NIM at 0.49%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 10.86%, down 28 bps from a year ago.
  • Funding: loans stand at 32.09% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.12%-42 bps YoY

Net Interest Margin (YTD, annualized)

0.49%-31 bps YoY

Efficiency Ratio (YTD, annualized)

65.01%+3,200 bps YoY

Net Worth / Assets

10.86%-28 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.80%0.66%0.06%0.12%-42 bps
Return on Equity4.86%6.90%5.68%0.52%1.15%-372 bps
Net Interest Margin0.81%1.05%0.93%0.47%0.49%-31 bps
Efficiency Ratio33.01%23.95%29.44%66.95%65.01%+3,200 bps
Growth
Asset Growth (YoY)5.80%4.42%6.26%5.98%6.69%+89 bps
Loan Growth (YoY)1.15%1.54%8.99%9.78%10.75%+960 bps
Share Growth (YoY)5.84%4.21%6.30%6.14%7.03%+119 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.10%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.06%0.06%0.06%0.05%0.05%-1 bps
Capital
Risk-Based Capital11.13%11.57%11.60%11.00%10.86%-28 bps
Net Worth / Assets11.13%11.57%11.60%11.00%10.86%-28 bps
Liquidity & Funding
Loans / Shares31.01%31.32%33.29%31.73%32.09%+108 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps