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Fedco Credit Union

Jefferson City, MOUnknown exempt organization EIN 44-0651555Revenue $264K in FY2025Latest return filed Mar 26, 2026

On file with the IRSJefferson City, MO

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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.

Mission: Form 990 Part I, line 1

Before you give

FY2025 · Form 990Independent: from IRS data, not the org
Download 990
Latest return
FY2025
latest Form 990
The latest return is for FY2025, 1 tax year back.
IRS e-file · Filing history
Surplus or deficit
6 of 6
filings with a surplus
Average surplus $40K a year · 24% of revenue · last 6 filings
A surplus in 6 of the last 6 filings.
Pt I · Ln 19 · 6 filings
Spent on programs
0%
of spending
0% of spending went to programs.
Pt IX · Ln 25 · col B
Cash reserves
34.1 mo
of spending, in cash
Plus $4.0M in investments, Pt X · Ln 11–13
34.1 months of spending in cash.
Pt X · Ln 1–2 · Pt I · Ln 18
Liabilities
$5.9M
88% of total assets
Liabilities are 88% of assets.
Pt X · Ln 26
Independent board members
7
of 7 voting members
7 of 7 voting members are independent.
Pt VI · Ln 1a–1b
In line with peersDifferent from peersFar from peersNo peer rangeNo data yetTap a box for the reason.
Revenue
$264K
+0.3% vs prior year
Spent
$221K
To programs
0%
Net assets
$772K
By yearFY2020–FY2025
Revenue
$264K
FY2025+0.3%
Tap a bar for its year
Revenue by fiscal year
FY2020$106K
FY2021$65K
FY2022$89K
FY2023$225K
FY2024$264K
FY2025$264K
Expenses
$221K
FY2025▲ +3%
Tap a bar for its year
Expenses by fiscal year
FY2020$62K
FY2021$44K
FY2022$72K
FY2023$161K
FY2024$215K
FY2025$221K
Net assets
$772K
FY2025▲ +6%
Tap a bar for its year
Net assets by fiscal year
FY2020$577K
FY2021$598K
FY2022$615K
FY2023$679K
FY2024$728K
FY2025$772K

From the FY2025 Form 990 · see the original

990 PDF Support Claim

Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2025.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Who runs it and what they're paid

8 people listed on the 990.

Part VII, Section A · reportable compensation
$0Pt VII · Sec A
$0Pt VII · Sec A
Chris Duncan
Vice Preside
$0Pt VII · Sec A
$0Pt VII · Sec A
Cara Nilges
Director
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
$0Pt VII · Sec A
See Fedco Credit Union executive salaries →

Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aNo
  • Loans to or from officersSch L · Pt II11 listed

Programs and updates

Encourages thrift and savings, offering members fair credit and interest.

Questions for Fedco Credit Union

Tap to ask. Fedco Credit Union sees how many people are interested.

Your first name shows with your question. Fedco Credit Union answers here, for everyone.

1 program · in their own filed words · FY2025
01

Fedco credit union is a voluntary, cooperative, non profit savings institution, 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 the knowledge and ability of our members to manage and control…

Pt IX · Ln 25 · col B

By the numbers

The FY2025 990, line by line.

Download 990
from philanthropy.org
1The main four
Money inPt VIII
$264K
Ln 12
Fees for servicesLn 2g$264K
Money outPt IX
$221K
Ln 25
Owns and owesPt X
$772K
net assets · Ln 32
Cash and savingsLn 1–2$627K
Total assetsLn 16$6.7M
LiabilitiesLn 26$5.9M
PeoplePt VI, VII
8
listed · VII A
PaidVII A0
Voting boardVI 1a7
IndependentVI 1b7
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$264K
Total revenueLn 12$264K
Assets in detailPt X, end of year
CashLn 1$616K
SavingsLn 2$12K
Cash and savings togetherLn 1–2$627K
Loans to officers and key peopleLn 5$186K
Notes and loans receivableLn 7$1.8M
Prepaid expenses and deferred chargesLn 9$842
InvestmentsLn 11–13$4.0M
Other assetsLn 15$68K
Total assetsLn 16$6.7M
LiabilitiesLn 26$5.9M
Net assetsLn 32$772K
OperationsPt I, VI
EmployeesI 50
Fiscal year endsHeaderDecember
Conflict-of-interest policyVI 12aYes
Whistleblower policyVI 13No
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY25End FY25
Cash and savingsLn 1–2$672K$627K
InvestmentsLn 11–13$3.7M$4.0M
Total assetsLn 16$6.3M$6.7M
LiabilitiesLn 26$5.5M$5.9M
Net assetsLn 32$728K$772K
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Office expensesLn 13$340
Conferences, conventions and meetingsLn 19$243
InsuranceLn 23$4K
Other expenses (24a–d)Ln 24$214K
All other expensesLn 24e$2K
Total functional expensesLn 25$221K$0$0$0

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2025 Latest ViewingFiled with the IRS Mar 26, 2026 $264K$221K$44K$772K 990 PDF
FY2024Filed with the IRS Mar 27, 2025 $264K$215K$49K$728K 990 PDF
FY2023Filed with the IRS May 14, 2024 $225K$161K$64K$679K 990 PDF
FY2022Filed with the IRS May 22, 2023 $89K$72K$17K$615K 990 PDF
FY2021Filed with the IRS May 9, 2022 $65K$44K$21K$598K 990 PDF
FY2020Filed with the IRS May 3, 2021 $106K$62K$44K$577K 990 PDF

Schedules filed Part IV

I · Grants O · Explanations
See the full FY2025 990
Part I · Summary $264,365 revenue, 12 lines filed
I-8 Contributions and grants$0
I-9 Program service revenuePrior year $263,603$264,365
I-10 Investment income$0
I-11 Other revenue$0
I-12 Total revenuePrior year $263,603$264,365
I-13 Grants and similar amounts paid$0
I-14 Benefits paid to members$0
I-15 Salaries and benefits$0
I-16a Professional fundraising fees$0
I-17 Other expensesPrior year $214,761$220,529
I-18 Total expensesPrior year $214,761$220,529
I-19 Revenue less expensesPrior year $48,842$43,836
Part VI · Governance 7 of 7 board members independent, 2 to look at
VI-1a Voting members of the governing body7
VI-1b Independent voting members7
VI-13 Written whistleblower policyNo
VI-15a Process for setting top official's payNo
VI-2 Family or business relationship among officers or directorsNo
VI-12a Written conflict of interest policyYes
VI-14 Document retention and destruction policyYes
Part VIII · Statement of revenue $264,365 across 2 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $264,365$264,365
VIII-12 Total revenueRelated to mission $264,365$264,365
Part IX · Statement of functional expenses $220,529 across 5 lines filed
IX-13 Office expenses$340
IX-19 Conferences, conventions and meetings$243
IX-23 Insurance$3,836
IX-24 Other expenses (24a–d)$214,049
IX-24e All other expenses$2,061
IX-25 Total functional expensesPrograms $0 · Management $0 · Fundraising $0$220,529
Part X · Balance sheet $6,651,619 assets, 15 lines filed
X-1 Cash, non-interest-bearingStart of year $659,928$615,674
X-2 Savings and temporary cash investmentsStart of year $11,573$11,590
X-5 Loans to officers and key peopleStart of year $244,551$186,062
X-7 Notes and loans receivableStart of year $1,549,506$1,769,084
X-9 Prepaid expenses and deferred chargesStart of year $742$842
X-12 Other securitiesStart of year $3,738,000$4,000,000
X-15 Other assetsStart of year $55,234$68,367
X-16 Total assetsStart of year $6,259,534$6,651,619
X-17 Accounts payable and accrued expensesStart of year $4,376$4,361
X-25 Other liabilitiesStart of year $5,527,448$5,875,712
X-26 Total liabilitiesStart of year $5,531,824$5,880,073
X-30 Paid-in or capital surplusStart of year $356,566$356,566
X-31 Retained earnings or endowmentStart of year $371,144$414,980
X-32 Total net assets or fund balancesStart of year $727,710$771,546
X-33 Total liabilities and net assetsStart of year $6,259,534$6,651,619
Part XI · Reconciliation of net assets $771,546 net assets at year end
XI-1 Total revenue$264,365
XI-2 Total expenses$220,529
XI-3 Revenue less expenses$43,836
XI-4 Net assets at start of year$727,710
XI-10 Net assets at end of year$771,546

Form 990 e-file (XML) FY2025 from the IRS · Classification, formation year and address from the IRS Business Master File

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