FARM CREDIT EMPLOYEES
Charter #22132 | MN
<100M
(2596 CUs)
Micro
($0-$500M)
38 <100M in MN
FARM CREDIT EMPLOYEES has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.72% below tier average
- - Efficiency ratio 19.70% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,405
+0.9% YoY+1.2% QoQ
|
-1.2K |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
38th in tier |
| Assets |
$18.2M
+8.3% YoY-3.0% QoQ
|
$-11.6M |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
46th in tier |
| Loans |
$13.5M
-2.9% YoY+4.3% QoQ
|
$-2.2M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
59th in tier |
| Deposits |
$16.2M
+9.4% YoY-3.4% QoQ
|
$-9.3M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
47th in tier |
| ROA |
-0.0%
-105.7% YoY-128.1% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
Bottom 15.3% in tier |
| NIM |
3.4%
-15.2% YoY-7.1% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
30th in tier |
| Efficiency Ratio |
101.1%
+20.7% YoY+4.9% QoQ
|
+19.7% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
Top 10.2% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
83.6%
-11.3% YoY+8.0% QoQ
|
+22.3% |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Top 18.5% in tier |
| AMR |
$21,168
+2.5% YoY-1.2% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
Top 16.5% in tier |
| CD Concentration |
17.1%
-8.2% YoY+5.5% QoQ
|
-7.3% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
247
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,635
Peer Avg: $5,488
#247 of 2596
Top 9.5% in <100M tier
264
Deposit Growth Rate
growth
Value:
9.41%
Peer Avg: 16.80%
#264 of 2596
Top 10.1% in <100M tier
319
Asset Growth Rate
growth
Value:
8.34%
Peer Avg: 1.82%
#319 of 2596
Top 12.2% in <100M tier
428
Average Member Relationship (AMR)
engagement
Value:
$21,168
Peer Avg: $14,627
#428 of 2596
Top 16.4% in <100M tier
475
Loan-to-Share Ratio
balance_sheet
Value:
83.55%
Peer Avg: 61.23%
#475 of 2596
Top 18.3% in <100M tier
648
Member Growth Rate
growth
Value:
0.86%
Peer Avg: 14.92%
#648 of 2596
Top 24.9% in <100M tier
Top Weaknesses (2 metrics)
2331
Efficiency Ratio
profitability
Value:
101.09%
Peer Avg: 81.39%
#2331 of 2596
Bottom 10.2% in <100M tier
2199
Return on Assets (ROA)
profitability
Value:
-0.04%
Peer Avg: 0.68%
#2199 of 2596
Bottom 15.3% in <100M tier