PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Federated Employees

Owatonna, MN · Charter 64703

NCUA · 2 branches

Q2 2026

$66.7MAssets
$37.8MLoans
$57.9MShares
$8.8MNet Worth

Executive Summary

  • Earnings: ROA of 0.78%, up 3 bps year over year; NIM at 2.65%.
  • Asset quality: problem loans at 0.19% of loans (+10 bps YoY).
  • Capital: net worth / assets of 13.17%, down 8 bps from a year ago.
  • Funding: loans stand at 65.31% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.78%+3 bps YoY

Net Interest Margin (YTD, annualized)

2.65%+21 bps YoY

Efficiency Ratio (YTD, annualized)

68.51%-190 bps YoY

Net Worth / Assets

13.17%-8 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.21%0.34%0.40%0.74%0.74%0.74%0.71%0.78%+3 bps
Return on Equity1.60%2.54%3.07%5.61%5.52%5.45%5.46%5.90%+29 bps
Net Interest Margin2.03%2.08%2.18%2.44%2.48%2.49%2.57%2.65%+21 bps
Efficiency Ratio90.71%86.33%78.96%70.41%68.71%68.18%69.55%68.51%-190 bps
Growth
Asset Growth (YoY)0.94%6.14%8.75%9.45%5.28%5.45%6.20%6.59%-287 bps
Loan Growth (YoY)-6.05%-2.50%2.97%7.03%8.49%8.85%5.10%3.00%-403 bps
Share Growth (YoY)0.80%6.91%9.64%10.10%5.11%5.34%6.17%6.73%-337 bps
Asset Quality
Delinquent Loans / Loans0.00%0.23%0.01%0.09%0.31%0.38%0.12%0.19%+10 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 Capital13.41%13.53%13.01%13.26%13.47%13.57%13.04%13.17%-8 bps
Net Worth / Assets13.41%13.53%13.01%13.26%13.47%13.57%13.04%13.17%-8 bps
Liquidity & Funding
Loans / Shares67.22%66.24%64.03%67.67%69.38%68.44%63.39%65.31%-236 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps