State credit union · OWATONNA, Minnesota · NCUA charter #64703
Federated Employees
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $62.9M
- Total assets
- 4,950
- Members
- 13.0%
- Net-worth ratio
Federated Employees scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $62.9M; members 4,950; net-worth ratio 13.04%; health rank #486 of 4,374; healthier than 87th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#486 of 4,374 health · 2025Q4Federated Employees · health 94/100 · $62.9M · 2025Q4
Call Report peers
Federated Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Federated Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Federated Employees sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Federated Employees: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 68.44% here, 62.60% peer average (+5.84 pp).
- Net Worth Ratio trails the peer set - 13.04% here, 13.62% peer average (-0.58 pp).
Federated Employees in Minnesota
- Minnesota health ordinal: #13 of 82.
- Minnesota assets place: #49 of 82.
- Member book place in Minnesota: #42 of 82.
- One place up in Minnesota, Greater Community (#12) ties at 94/100; one place down, St. Paul (#14) ties at 94/100.
Quarter path for Federated Employees
Federated Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.5% from $62.9M (2025Q4) to $66.4M (2026Q1).
- Net-worth ratio shifted -0.53 pp (13.57% → 13.04%).
13.04% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
Federated Employees gives up 6 points in total. Member Growth costs the most, 2.8 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.4 pts
- Member Growth 12.2 pts
- Loan-to-Share Ratio 14.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.04% | -0.58 pp |
| Delinquency Rate | 0.38% | -0.58 pp |
| Return on Assets | 0.33% | -0.33 pp |
| Member Growth | 2.68% | - |
| Loan-to-Share Ratio | 68.44% | +5.84 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Federated Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $66.4M | - |
| 2025Q4 | $62.9M | 4,950 |
| 2024Q4 | $59.6M | 4,821 |
| 2023Q4 | $56.2M | 4,901 |
Credit Union Details
- Charter Number
- 64703
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Minnesota
- City
- OWATONNA
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Federated Employees.
| Office | City |
|---|---|
| FECU Main Office (Main Office) | Owatonna, MN |
| FECU Downtown Office | Owatonna, 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.
Nationwide credit unions with similar profiles
Using this data
- Federated Employees ranks #486 of 4,374 nationally on financial health and #13 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- United Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with United Employees
Frequently Asked Questions
Is Federated Employees financially healthy?
Federated Employees has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #486 of 4,374 nationally on health and #13 of 82 in Minnesota. Its net worth ratio is 13.04% and its delinquency rate 0.38%.
How does Federated Employees compare to other credit unions?
Federated Employees scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (68.44% vs 62.60%). Its widest shortfall is net worth ratio (13.04% vs 13.62%).
How can I join Federated Employees?
Membership eligibility for Federated Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Federated Employees directly for current membership requirements and application steps.
Is my money safe at Federated Employees?
Federated Employees is a state-chartered 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. Federated Employees's net worth ratio of 13.04% 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.