BlastPoint's Credit Union Scorecard
FARM CREDIT EMPLOYEES
Charter #22132 · MN
FARM CREDIT EMPLOYEES faces 4 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
- - Efficiency ratio 21.64% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 7.8% in tier
- - Deposit Growth Rate: Bottom 9.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 37 that size in Minnesota.
- Shares and deposits -8.6% year over year ($15.3M in shares and deposits).
- Membership: 1,410 members, +1.5% vs a year ago.
- Delinquency rate 0.62%.
- Return on assets 1.40%.
- Efficiency ratio 110.40% vs a 88.77% peer average.
- Loan-to-share ratio 86.44% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,410
+1.5% YoY+0.3% QoQ
|
-1.2K |
2,585
-1.7% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
39% |
| Assets |
$17.3M
-8.1% YoY-5.4% QoQ
|
$-13.0M |
$30.3M
+1.5% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
44% |
| Loans |
$13.3M
+2.1% YoY+0.9% QoQ
|
$-2.2M |
$15.5M
-1.7% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
59% |
| Deposits |
$15.3M
-8.6% YoY-5.7% QoQ
|
$-10.5M |
$25.8M
+1.1% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
46% |
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| ROA |
1.4%
+870.3% YoY-505.9% QoQ
|
-0.1% |
1.5%
+241.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
77% |
| NIM |
3.2%
-10.4% YoY+3.6% QoQ
|
-0.7% |
3.9%
+0.9% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
25% |
| Efficiency Ratio |
110.4%
+14.6% YoY+0.4% QoQ
|
+21.6% |
88.8%
-6.9% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 7.9% in tier |
| Delinquency Rate |
0.6%
+460.0% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
46% |
| Loan To Share |
86.4%
+11.7% YoY+7.1% QoQ
|
+27.6% |
58.9%
-3.1% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
Top 12.6% in tier |
| AMR |
$20,268
-5.4% YoY-3.0% QoQ
|
+$5K |
$14,963
-6.8% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
79% |
| CD Concentration |
19.2%
+18.6% YoY-6.5% QoQ
|
-5.3% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)