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
- BOOK 96/100
- CHARTER 10.9%
- NCUSIF 0.25%
- CAMELS 0.59%
- HEALTH $18.6M
- NW 1,415
- DELQ #278/4,374
- ROA SOUTHERN
- ASSETS 22132
Call Report peers
Farm Credit Employees in the assets neighbourhood
Farm Credit Employees's $18.6M assets sit next to SOUTHERN ($18.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Farm Credit Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
96 Top 7% higher than 93% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Farm Credit Employees
Farm Credit Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.0% from $18.6M (2025Q4) to $18.3M (2026Q1).
- Net-worth ratio shifted +0.13 pp (10.78% → 10.91%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 96.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for Farm Credit Employees - kept outside Minnesota; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($18.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (96/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Minnesota credit unions compare overall before assuming this one is typical. Minnesota state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #278 of 4,374; by total assets it ranks #3,188 of 4,374 nationally (same basis as /rankings/largest); and #63 of 82 within Minnesota. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 10.91% 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 10.91% 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.
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.