State Farm Federal Credit Union
Bloomington, IL·Charter 1273·cu:1273·CCULR opted in
- #4 of 188Total assets in Illinois
- Top 2%Total assets in the U.S.
- 113.4Kmembers
- Top 1%Efficiency in the U.S.
- Top 2%Share growth in the U.S.
- Top 8%Loan quality vs. peers
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at State Farm Federal Credit Union
5 of 23 FORFI signals stand out against 143 similar credit unions, based on NCUA data for the quarter.
Share and deposit costs among the highest of similar credit unionsWorth a look: Funding 2nd quarter3.99%peers 1.93%+206 bps
State Farm Federal Credit Union's cost of all shares and deposits was 3.99%, compared with a median of 1.93% among 143 similar credit unions: the highest of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all shares and deposits | ||
| 3.99% | 1.93% | +206 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 143 credit unions with $3 billion to $10 billion in assets that filed NCUA data for the same quarter. State Farm Federal Credit Union itself is left out of every peer median and percentile. How signals work
Net worth ratio falling while the peer median risesWorth a look: Capital 2nd quarter13.03%peers 10.82%+2.2 pp
State Farm Federal Credit Union's net worth ratio fell 1.6 percentage points over the past year to 13.03%. Among 139 similar credit unions, the median rose 0.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Net worth ratio | ||
| 13.03% | 10.82% | +2.2 pp |
| 12-month change | ||
| -1.6 pp | +0.2 pp | -1.8 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 143 credit unions with $3 billion to $10 billion in assets that filed NCUA data for the same quarter. State Farm Federal Credit Union itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the lowest of similar credit unionsWorth a look: Earnings 2nd quarter0.26%peers 1.25%-99 bps
State Farm Federal Credit Union's noninterest income relative to average assets was 0.26%, compared with a median of 1.25% among 143 similar credit unions: lower than 98% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 0.26% | 1.25% | -99 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 143 credit unions with $3 billion to $10 billion in assets that filed NCUA data for the same quarter. State Farm Federal Credit Union itself is left out of every peer median and percentile. How signals work
Loans shrinking while the peer median growsNotable: Lending-2.8%peers +5.3%-8.1 pp
State Farm Federal Credit Union's loans declined 2.8% over the past year to $1.0 billion. The median among 139 similar credit unions was +5.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| -2.8% | +5.3% | -8.1 pp |
| Loans | ||
| $1.0 billion | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 143 credit unions with $3 billion to $10 billion in assets that filed NCUA data for the same quarter. State Farm Federal Credit Union itself is left out of every peer median and percentile. How signals work
Shares and deposits growing faster than peersStrength: Funding 2nd quarter+18.9%peers +5.8%+13.1 pp
State Farm Federal Credit Union's shares and deposits grew 18.9% over the past year to $5.0 billion. The median among 139 similar credit unions was +5.8%.
| This institution | Peer median | Difference |
|---|---|---|
| Shares and deposits, 12-month growth | ||
| +18.9% | +5.8% | +13.1 pp |
| Shares and deposits | ||
| $5.0 billion | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 143 credit unions with $3 billion to $10 billion in assets that filed NCUA data for the same quarter. State Farm Federal Credit Union itself is left out of every peer median and percentile. How signals work
Key facts
- State Farm Federal Credit Union is a federally chartered credit union headquartered in Bloomington, Illinois. It reported $5.7 billion in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $5.0 billion, up 18.9% from a year earlier, and loans totaled $1.0 billion, down 2.8%.
- Its net interest margin on average assets was 0.71% and its annualized return on assets was 0.52% for the quarter.
- Its cost of all shares and deposits was 3.99%, compared with a median of 1.93% among 143 similar credit unions with $3 billion to $10 billion in assets.
- It served 113,388 members, down 0.8% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With State Farm Federal Credit Union's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- State Farm Federal Credit Union · Credit union
- NCUA charter
- 1273
- Reporting period
- Peer group
- 143 credit unions with $3 billion to $10 billion in assets that filed NCUA data for the same quarter. State Farm Federal Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $7.29M | |
| $59.12M | |
| $49.05M | |
| $10.07M | |
| $3.66M | |
| $5.42M | |
| $1.02M | |
| $1.02M | |
| 0.52% | |
| 0.71% | |
| 39.49% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.