Headquartered in Owatonna, Minnesota, Federated Employees Credit Union is a federally insured state-chartered credit union with $66.7M in total assets and $57.9M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1934.
Based on its Q2 2026 filing, Federated Employees Credit Union scores 82/100, which we describe as strong. That is higher than 70% of 2,479 credit unions with under $100 million in assets. Among 80 credit unions headquartered in Minnesota, it ranks 19th. Its strongest component is problem-loan coverage (98/100; 0.8%), and its lowest is earnings (51/100; 0.78%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (83 → 82).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 80 |
| Q4 2024 | 79 |
| Q1 2025 | 81 |
| Q2 2025 | 83 |
| Q3 2025 | 81 |
| Q4 2025 | 81 |
| Q1 2026 | 82 |
| Q2 2026 | 82 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.77% |
| Q3 2024 | 13.41% |
| Q4 2024 | 13.53% |
| Q1 2025 | 13.01% |
| Q2 2025 | 13.26% |
| Q3 2025 | 13.47% |
| Q4 2025 | 13.57% |
| Q1 2026 | 13.04% |
| Q2 2026 | 13.17% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.23% |
| Q1 2025 | 0.01% |
| Q2 2025 | 0.09% |
| Q3 2025 | 0.31% |
| Q4 2025 | 0.38% |
| Q1 2026 | 0.12% |
| Q2 2026 | 0.19% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.05% |
| Q3 2024 | 0.21% |
| Q4 2024 | 0.34% |
| Q1 2025 | 0.40% |
| Q2 2025 | 0.74% |
| Q3 2025 | 0.74% |
| Q4 2025 | 0.74% |
| Q1 2026 | 0.71% |
| Q2 2026 | 0.78% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 82 | $66.7M | 13.17% | 0.19% | 0.78% | 65.3% |
| Q1 2026 | 82 | $66.4M | 13.04% | 0.12% | 0.71% | 63.4% |
| Q4 2025 | 81 | $62.9M | 13.57% | 0.38% | 0.74% | 68.4% |
| Q3 2025 | 81 | $62.5M | 13.47% | 0.31% | 0.74% | 69.4% |
| Q2 2025 | 83 | $62.6M | 13.26% | 0.09% | 0.74% | 67.7% |
| Q1 2025 | 81 | $62.5M | 13.01% | 0.01% | 0.40% | 64.0% |
| Q4 2024 | 79 | $59.6M | 13.53% | 0.23% | 0.34% | 66.2% |
| Q3 2024 | 80 | $59.4M | 13.41% | 0.00% | 0.21% | 67.2% |
| Q2 2024 | 79 | $57.2M | 13.77% | 0.00% | 0.05% | 69.6% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Embarrass Vermillion Federal Credit UnionCredit union Aurora, MN | 80 out of 100, Strong | $66.7M | 14.2% | 0.95% | vs |
| United Employees Credit UnionCredit union Albert Lea, MN | 87 out of 100, Very strong | $66.4M | 14.2% | 0.80% | vs |
| Ely Area Credit UnionCredit union Ely, MN | 99 out of 100, Very strong | $74.3M | 17.0% | 0.14% | vs |
| Share Advantage Credit UnionCredit union Duluth, MN | 58 out of 100, Moderate | $57.5M | 13.4% | 2.77% | vs |
| Pipefitters-Steamfitters Credit UnionCredit union Woodbury, MN | 83 out of 100, Strong | $51.6M | 13.4% | 1.07% | vs |
| North Memorial Federal Credit UnionCredit union Robbinsdale, MN | 75 out of 100, Strong | $50.7M | 11.8% | 0.68% | vs |
Deposit insurance
Is my money safe at Federated Employees Credit Union?
Yes. Federated Employees Credit Union is a federally insured credit union (NCUA charter #64703). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 1.5% of shares and deposits ($867K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 13.17%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Federated Employees Credit Union lists 2 offices in 1 city. Most locations:
- Owatonna, MN (2)
Identity & history
Profile
- Legal name
- Federated Employees Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 64703
- RSSD ID
- 844594
- Primary regulator
- State + NCUA
- Established
- 1934
- Headquarters
- 1929 S Cedar Ave, Owatonna, MN 55060
- Employees
- 9
Quick answers
Federated Employees Credit Union: common questions
Is Federated Employees Credit Union NCUA insured?
Yes. Federated Employees Credit Union is a federally insured credit union (NCUA charter #64703). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Federated Employees Credit Union's TellerScore?
82 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Federated Employees Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Owatonna
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Arcadian BankBank Hartland, MN | 85 out of 100, Very strong | $242.1M | 12.0% | 0.10% | vs |
| Commerce BankBank Geneva, MN | 78 out of 100, Strong | $220.0M | 13.9% | 0.60% | vs |
| Premier Bank MinnesotaBank Hastings, MN | 77 out of 100, Strong | $691.5M | 10.0% | 0.04% | vs |
| Minnesota First Credit and Savings, IncorporatedBank Rochester, MN | 76 out of 100, Strong | $29.9M | 14.2% | 0.12% | vs |
| Keen Bank, National AssociationBank Waseca, MN | 76 out of 100, Strong | $201.1M | 8.4% | 0.06% | vs |
| Security State Bank of KenyonBank Kenyon, MN | 76 out of 100, Strong | $72.2M | 12.6% | 0.36% | vs |