Federal credit union · Saint Paul, Minnesota · NCUA charter #22132
Farm Credit Employees
Health score 96/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $18.6M
- Total assets
- 1,415
- Members
- 10.9%
- Net-worth ratio
Farm Credit Employees scores 96/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $18.6M; members 1,415; net-worth ratio 10.91%; health rank #278 of 4,374; healthier than 93rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#278 of 4,374 health · 2025Q4Farm Credit Employees · health 96/100 · $18.6M · 2025Q4
Call Report peers
Farm Credit Employees in the assets neighbourhood
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Farm Credit Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Farm Credit Employees sits in 95-99 with 391 others.
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Farm Credit Employees diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +23.77 pp (83.57% vs 59.80%).
- Widest shortfall vs peers is Net Worth Ratio: -3.95 pp (10.91% vs 14.86%).
Farm Credit Employees: in-state Call Report ranks
- Minnesota health ordinal: #6 of 82.
- Assets rank #63 of 82 inside Minnesota ($18.6M reported).
- Membership ranks #65 of 82 among Minnesota CUs with a reported count (1,415 members).
- One place up in Minnesota, Metropolitan Services (#5) scores 97/100, 1 point higher; one place down, MINNCO (#7) ties at 96/100.
Quarter path for Farm Credit Employees
Farm Credit Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.0% from $18.6M (2025Q4) to $18.3M (2026Q1).
- Net-worth ratio shifted +0.13 pp (10.78% → 10.91%).
This credit union's 10.91% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 96/100 score is built
Farm Credit Employees gives up 4 points in total. Member Growth costs the most, 3.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 14.7 pts
Call Report ratios for Farm Credit Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.91% | -3.95 pp |
| Delinquency Rate | 0.25% | -0.90 pp |
| Return on Assets | 0.59% | -0.12 pp |
| Member Growth | 1.95% | - |
| Loan-to-Share Ratio | 83.57% | +23.77 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Farm Credit Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $18.3M | - |
| 2025Q4 | $18.6M | 1,415 |
| 2024Q4 | $17.6M | 1,388 |
| 2023Q4 | $18.2M | 1,418 |
Credit Union Details
- Charter Number
- 22132
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Minnesota
- City
- Saint Paul
- Data Quarter
- 2025Q4
Branch Location
Farm Credit Employees operates a single office in Saint Paul, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Saint Paul, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
More federally-insured credit unions based in Minnesota, ordered by peer group match and asset size.
Other-state peers near Farm Credit Employees
Similar total assets
Using this data
- Farm Credit Employees ranks #278 of 4,374 nationally on financial health and #6 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Trades & Labor is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Trades & Labor
Frequently Asked Questions
Is Farm Credit Employees financially healthy?
Farm Credit Employees has a financial health score of 96/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #278 of 4,374 nationally on health and #6 of 82 in Minnesota. Its net worth ratio is 10.91% and its delinquency rate 0.25%.
How does Farm Credit Employees compare to other credit unions?
Farm Credit Employees scores 96/100, higher than 93% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (83.57% vs 59.80%). Its widest shortfall is net worth ratio (10.91% vs 14.86%).
How can I join Farm Credit Employees?
Farm Credit Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Farm Credit Employees directly for the exact boundaries and application steps.
Is my money safe at Farm Credit Employees?
Farm Credit Employees is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Farm Credit Employees's net worth ratio of 10.91% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.