PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Farm Credit Employees

Saint Paul, MN · Charter 22132

NCUA · 1 branch

Q2 2026

$17.3MAssets
$13.3MLoans
$15.3MShares
$1.9MNet Worth

Executive Summary

  • Earnings: ROA of -1.44%, down 158 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.62% of loans (+62 bps YoY).
  • Capital: net worth / assets of 10.95%, up 14 bps from a year ago.
  • Funding: loans stand at 86.44% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

-1.44%-158 bps YoY

Net Interest Margin (YTD, annualized)

3.34%-10 bps YoY

Efficiency Ratio (YTD, annualized)

110.40%+1,405 bps YoY

Net Worth / Assets

10.95%+14 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.62%0.51%0.14%-0.04%-0.05%-0.35%-1.44%-158 bps
Return on Equity6.02%5.43%4.21%1.27%-0.37%-0.49%-3.17%-13.18%-1,445 bps
Net Interest Margin4.00%3.78%4.19%3.44%3.42%3.32%3.13%3.34%-10 bps
Efficiency Ratio83.75%85.00%84.81%96.35%101.09%101.41%109.98%110.40%+1,405 bps
Growth
Asset Growth (YoY)-5.09%-3.04%-6.83%10.19%8.34%5.72%8.28%-8.05%-1,824 bps
Loan Growth (YoY)-4.18%-10.20%-8.21%-7.56%-2.92%6.60%1.60%2.11%+966 bps
Share Growth (YoY)-6.44%-4.17%-8.44%11.03%9.41%6.42%9.80%-8.61%-1,965 bps
Asset Quality
Delinquent Loans / Loans0.00%0.06%0.00%0.00%0.00%0.25%0.11%0.62%+62 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.90%11.45%12.14%10.81%11.04%10.78%10.91%10.95%+14 bps
Net Worth / Assets11.90%11.45%12.14%10.81%11.04%10.78%10.91%10.95%+14 bps
Liquidity & Funding
Loans / Shares94.16%83.42%87.26%77.37%83.55%83.57%80.75%86.44%+907 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps