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
- DELQ 94/100
- ROA 13.0%
- ASSETS 0.38%
- MEM 0.33%
- RANK $62.9M
- PHOTO 4,950
- BOOK #486/4,374
- CHARTER PINE
- NCUSIF 64703
Call Report peers
Federated Employees in the assets neighbourhood
Federated Employees's $62.9M assets sit next to PINE ($62.8M) 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.
Federated 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
94 Top 13% higher than 87% 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
Federated Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #64703. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Federated Employees in Minnesota
- Minnesota health ordinal: #13 of 82.
- Minnesota assets place: #49 of 82.
- Member book place in Minnesota: #42 of 82.
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 Federated Employees
Federated Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.5% from $62.9M (2025Q4) to $66.4M (2026Q1).
- Net-worth ratio shifted -0.53 pp (13.57% → 13.04%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Two NCUA Call Report peer sets for Federated Employees, both outside Minnesota so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($62.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
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
- 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 Federated Employees financially healthy?
Federated Employees scores 94/100 (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 #486 of 4,374; by total assets it ranks #2,222 of 4,374 nationally (same basis as /rankings/largest); and #49 of 82 within Minnesota. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.04% net worth ratio and a 0.38% delinquency rate.
How does Federated Employees compare to other credit unions?
On PlainCU's health composite, Federated Employees lands at 94/100, compared to a peer group average for $50M–$100M 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 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?
Federal credit unions like Federated 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. Federated Employees's net worth ratio of 13.04% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Federated Employees offer compared to banks?
Credit unions like Federated 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 Federated 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.