Farm Credit Employees Federal Credit Union Saint Paul, Minnesota
Farm Credit Employees Federal Credit Union is a federal credit union headquartered in Saint Paul, MN, established in 1975 (NCUA charter 22132), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,410 members and total assets of $17.3M (down 8.1% from Q2 2025), the 60th largest of 79 credit unions headquartered in Minnesota. Its net worth ratio was 10.95% at Q2 2026, in the well capitalized band.
Also written as Farm Credit Employees FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 22132
- Headquarters
- Saint Paul, MN
- Established
- 1975
- Total assets, Q2 2026
- $17.3M
- Assets vs Q2 2025
- -8.1%
- Members, Q2 2026
- 1,410
- Net worth ratio, Q2 2026
- 10.95%
- Latest call report
- Q2 2026, NCUA 5300 · Farm Credit Employees Federal Credit Union call report
- Asset rank in state
- 60th of 79 in Minnesota
- Routing number
- 296075878
- Branches
- 1
It has 21 more members than on June 30, 2025 (+1.5%). Its net worth ratio was up 0.14 percentage points from 10.81% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $5.2M of $13.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.62% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 10.95% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Minnesota
Frequently asked about Farm Credit Employees Federal Credit Union
How big is Farm Credit Employees Federal Credit Union?
At Q2 2026 it reported total assets of $17.3M and 1,410 members.
Where is Farm Credit Employees Federal Credit Union headquartered?
It is headquartered in Saint Paul, MN, United States.
When was Farm Credit Employees Federal Credit Union founded?
It was established in 1975, per NCUA records.
Is Farm Credit Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 22132): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Farm Credit Employees Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Farm Credit Employees Federal Credit Union well capitalized?
Its net worth ratio was 10.95% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Farm Credit Employees Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.62% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Farm Credit Employees Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 86.44% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Saint Paul, MN 55101
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1975
- NCUA Charter #
- 22132
- RSSD ID
- 976280
- Members
- 1,410
- Potential members
- 3,500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 5.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 10.95% | 14.31% | 24th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | -2.52% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -23.03% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.36% | 3.93% | 27th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 110.81% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.94% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.62% | 0.86% | 62nd above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.30% | 4.70% | 74th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 86.44% | 58.92% | 87th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$17.3M total assets against $18.8M; $15.3M total shares and deposits against $16.8M; $13.3M total loans against $13.0M.
$1.9M net worth against $2.0M.
10.95% net worth ratio against 10.81%.
86.44% loan-to-share ratio against 77.37%.
0.62% delinquency ratio.
-2.52% return on assets against -0.18%; -23.03% return on equity against -1.71%.
3.36% net interest margin against 3.12%.
1,410 members against 1,389.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.95% | -2.52% | 0.62% | 86.44% |
| March 31, 2026 | 10.91% | -0.35% | 0.11% | 80.75% |
| December 31, 2025 | 10.78% | -0.09% | 0.25% | 83.57% |
| September 30, 2025 | 11.04% | -0.41% | — | 83.55% |
| June 30, 2025 | 10.81% | -0.18% | — | 77.37% |
| March 31, 2025 | 12.14% | 0.51% | — | 87.26% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.