Sep, 30, 2025 — KRD FEDERAL CREDIT UNION is a federal credit union headquartered in MCCOOK, NE with 1 branch location and about $23.55 million in total assets. Opened 77 years ago in 1949, KRD FEDERAL CREDIT UNION has about 2,581 members and employs 8 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | KRD FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1001 W B St MCCOOK, NE 69001 |
| Phone: | (308) 345-7040 |
| Fax: | (308) 345-7050 |
| Website: | https://www.midwestlibertyfcu.org |
| Branches: | 1 branch locations |
| Members: | 2,581 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 6466 |
|---|---|
| Membership Type: | Community - Rural District |
| Corporate Credit Union: | No |
| Year Opened: | 1949 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $23,553,758 |
| CEO/Manager: | Sarah M Renner |
| Chairperson: | Dari Olson |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,133,622 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 1,104,530 |
| Unsecured Loans | 1,797,065 |
| Other Loans | 13,937,526 |
| TOTAL LOANS | 16,839,122 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -223,434 |
| Land And Building | 400,950 |
| Other Fixed Assets | 73,409 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 213,729 |
| All Other Assets | 0 |
| TOTAL ASSETS | 23,553,758 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 441 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 233,512 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 2,882,644 |
| Regular shares | 9,662,654 |
| All Other Shares & Deposits | 8,164,701 |
| TOTAL SHARES & DEPOSITS | 20,709,999 |
| TOTAL LIABILITIES | 20,943,952 |
| Regular Reserve | 0 |
| Other Reserves | 1,633,684 |
| Undivided Earnings | 976,122 |
| TOTAL EQUITY | 2,609,806 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 23,553,758 |
| INCOME & EXPENSE | |
| Loan Income | 1,009,853 |
| Investment Income | 178,988 |
| Other Income | 143,005 |
| Total Employee Compensation & Benefits | 288,545 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 703,214 |
| Non-operating Income & (Expense) | -9,233 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 150,500 |
| Cost of Funds | 282,079 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -33,215 |
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