FEDERATED EMPLOYEES
Charter #64703 · OWATONNA, MN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 0.73% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 2.64% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 2.24% sits at the 92nd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.12% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.79% sits at the 80th percentile of structural peers — worth a closer look.
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 | FEDERATED EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $66.36M | 40th pct | 39th pct |
| Members | 4,931 | 48th pct | 41th pct |
| Net worth ratio | 13.04% | 52th pct | 64th pct |
| Return on average assets | 0.73% | 52th pct | 25th pct |
| Net interest margin | 2.64% | 7th pct | 5th pct |
| Cost of funds | 2.24% | 95th pct | 92th pct |
| Loan-to-share | 63.39% | 54th pct | 39th pct |
| Delinquency 60+ days | 0.12% | 14th pct | 18th pct |
| Net charge-off ratio | 0.79% | 83th pct | 80th pct |
| Loan growth YoY | -2.36% | 40th pct | 18th pct |
| Share growth YoY | 6.87% | 86th pct | 72th pct |
| Efficiency ratio | 69.55% | 26th pct | 38th pct |
structural peer set hash: dbf647bfa40840f3732ebf42b1f47c74… (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.