FARM CREDIT EMPLOYEES
Charter #22132 · Saint Paul, MN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,406 sits at the 20th percentile of structural peers — worth a closer look.
- Return on average assets of -0.34% sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 3.10% sits at the 10th percentile of structural peers — worth a closer look.
- Cost of funds of 2.39% sits at the 95th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.11% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | FARM CREDIT EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $18.28M | 32th pct | 33th pct |
| Members | 1,406 | 21th pct | 20th pct |
| Net worth ratio | 10.91% | 26th pct | 26th pct |
| Return on average assets | -0.34% | 12th pct | 8th pct |
| Net interest margin | 3.10% | 19th pct | 10th pct |
| Cost of funds | 2.39% | 95th pct | 95th pct |
| Loan-to-share | 80.75% | 85th pct | 64th pct |
| Delinquency 60+ days | 0.11% | 23th pct | 16th pct |
| Net charge-off ratio | 0.76% | 80th pct | 92th pct |
| Loan growth YoY | -3.01% | 45th pct | 28th pct |
| Share growth YoY | 0.35% | 29th pct | 34th pct |
| Efficiency ratio | 109.98% | 94th pct | 93th pct |
structural peer set hash: 452dcf46736a08bc7c8ab6e97bf29c76… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.