Federal credit union · Saint Paul, Minnesota · NCUA charter #22132
Farm Credit Employees
Health score 96/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 96
- Health / 100
- $18.6M
- Total assets
- 1,415
- Members
- 10.8%
- Net-worth ratio
Farm Credit Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #22132 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Farm Credit Employees - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth76
- Liquidity (loan-to-share)100
Weighted composite: 96/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.78% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.78% | 30% |
| Delinquency Rate | 0.25% | 25% |
| Return on Assets | 0.59% | 15% |
| Member Growth | 1.95% | 15% |
| Loan-to-Share Ratio | 83.57% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Farm Credit Employees
Charter #22132, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Farm Credit Employees, a federal credit union in Saint Paul, Minnesota with 1,415 members, $18.6M in total assets, and $13.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 96/100 (Excellent), helped by a net worth ratio of 10.78% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
On loan book quality: 0.25% of loans are 60+ days past due against the total loan book - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Meanwhile a 83.57% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.59% on net income of $110K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.95%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Minnesota
More federally-insured credit unions based in Minnesota, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Farm Credit Employees financially healthy?
Farm Credit Employees scores 96/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.78% net worth ratio and a 0.25% delinquency rate.
How does Farm Credit Employees compare to other credit unions?
On PlainCU's health composite, Farm Credit Employees lands at 96/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Farm Credit Employees are 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 10.78% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Farm Credit Employees offer compared to banks?
Credit unions like Farm Credit Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Farm Credit Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.