Compeer Financial

What Compeer Financial does

Compeer Financial is a member-owned Farm Credit cooperative that provides agricultural lending, rural home mortgages, crop and life insurance, and complementary agribusiness financial services to more than 80,000 member-owners across 144 counties in Illinois, Minnesota, and Wisconsin. The company operates 33-plus branch offices with a field-based relationship model, complemented by 24/7 digital loan applications, an online banking platform, the MyCompeer client portal, and the Compeer Land Locator tool for browsing farmland parcels. With $36.1 billion in total assets, Compeer is one of the largest cooperatives in the Farm Credit System, which provides durable access to government-sponsored enterprise funding through AgriBank and CoBank.

The company's core technology stack is anchored by the FICO Platform integration, which has processed over $10 billion in automated lending throughput and achieved 95% straight-through processing for loans under $500,000 and approximately 70% for loans between $1 million and $2 million. This decision management layer drives a reported 52% year-over-year increase in loan volume throughput and saves roughly 800 underwriter hours per month. Compeer also operates a correspondent mortgage channel (RuraLiving) that enables third-party banks and credit unions nationwide to originate rural and hobby farm mortgages, and it has launched a sustainability-linked leasing pilot (RegenLend) with PepsiCo for strip-till equipment financing. Additional integrations include DocuSign, DTN Market Info, QuickBooks, CenterPoint, and EthicsPoint for governance reporting.

Compeer's revenue model is primarily net interest income from agricultural lending (farmland, operating, equipment, livestock, and commercial financing), supplemented by mortgage origination fees on rural home loans, premiums from crop, livestock, dairy, and life and disability insurance products, and service fees for appraisal, accounting, tax, and transition planning services. As a cooperative, profits are redistributed to member-borrowers through a patronage program tied to borrowing relationships. The company carries an A- issuer rating and BBB preferred stock rating from KBRA (assigned November 2025) and completed a $300 million perpetual preferred stock offering in December 2025 to support portfolio growth and capital markets activity.

Name

Compeer Financial

Legal name

Compeer Financial, ACA

Website

https://compeer.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Compeer Financial is a member-owned Farm Credit cooperative providing agricultural lending, rural home mortgages, crop and life insurance, and agribusiness financial services to 80,000+ member-owners across 144 counties in Illinois, Minnesota, and Wisconsin, with $36.1 billion in total assets.

Ownership category

akta.pro rank

Product category

Agricultural Lending

NAICS

Credit Unions (522130)

SIC

Miscellaneous Business Credit Institution (6159), Federal & Federally-Sponsored Credit Agencies (6111), Agricultural Services (700), Finance Lessors (6172)

akta.pro primary industry

Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)

akta.pro secondary industry

Farm Finance, Input Procurement & Risk Tools (Budgeting, Inventory, Insurance Links) (AFAAAFAO)

Keywords

• Agricultural lending
• Rural mortgage loans
• Crop insurance
• Farm credit cooperative
• Agribusiness financing

Headquarters

HQ city

Sun Prairie

HQ country

United States

HQ region

North America

Offices35 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Agricultural Lending: Interest income from agricultural loans including farmland loans, operating loans, equipment financing, starter loans, livestock loans, and commercial financing for agribusinesses.
2. Home Mortgage Lending: Mortgage originations for rural homes, hobby farms, recreational land, and building projects. Revenue from interest and origination fees on residential mortgage products.
3. Insurance Products: Crop insurance, livestock and dairy insurance, and life and disability insurance products offered as part of comprehensive agricultural risk management.
4. Agricultural Business Services: Appraisal services, cash management services, farm tax and accounting services, and transition/succession planning. Revenue from service fees.
5. Patronage Program: Member-owned cooperative structure where profits are distributed back to members through patronage refunds based on their borrowing relationship.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels12 records

Core offering

Compeer Financial is a member-owned Farm Credit cooperative that provides agricultural lending (farmland, operating, equipment, starter, livestock loans), commercial financing (food processing, renewable energy, grain and farm supply), rural home mortgages, crop and life insurance, and agribusiness services (appraisals, tax, accounting, transition planning) to farmers, rural homeowners, and agribusinesses across Illinois, Minnesota, and Wisconsin.

Product overview

Compeer Financial is a member-owned Farm Credit cooperative offering a comprehensive suite of financial services to agriculture and rural communities across 144 counties in Illinois, Minnesota, and Wisconsin. The product portfolio centers on agricultural financing products (farmland loans, operating loans, equipment financing, starter loans, livestock loans) complemented by insurance services (crop insurance, livestock/dairy insurance, life/disability insurance), agribusiness services (appraisal, accounting, tax planning, succession planning), and commercial financing for food processing, renewable energy, and grain/farm supply operations. Digital offerings include RuraLiving (specialized rural/hobby farm mortgage program), Compeer Land Locator (farmland marketplace), Bushel Wallet (digital farm finance tool), RegenLend (sustainable agriculture equipment leasing), and Farm Forward (down payment assistance). The company also provides online banking through third-party vendors and the MyCompeer client portal for document exchange and account management.

Differentiator

Problem solved

Functional benefit

Brands

• RuraLiving: Rural home mortgage program designed for non-conventional secondary-market hobby farm properties with agricultural characteristics, offered on a non-delegated correspondent basis.
• RegenLend
• Legacy Reserve

Products and services

• Agriculture Loans

Quantifiable outcome

• 95% automated processing for loans under $500,000
• +4 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability3 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• PepsiCocoreStrategic or Co-development Partner · 11 June 2026Launched RegenLend pilot leasing program for strip-till equipment financing. PepsiCo covers two annual lease payments to reduce farmers' upfront investment burden for soil conservation equipment. Program developed with support from Environmental Defense Fund and managed by Soil and Water Outcomes Fund, available to farmers with at least 600 acres implementing conservation practices.
• Environmental Defense FundcoreStrategic or Co-development Partner · 11 June 2026Aided in development of RegenLend program for strip-till equipment financing, providing expertise in sustainable agriculture and regenerative farming practices.
• Soil and Water Outcomes FundcoreStrategic or Co-development Partner · 11 June 2026Serves as operational partner managing the RegenLend program, handling verification and management of conservation practice outcomes.
• FICOcoreTechnology or Integration · 13 April 2026Implemented FICO Platform for agricultural lending operations, achieving $10 billion automated lending throughput, 95% automated processing for loans under $500,000, and 52% year-over-year increase in loan volume. Compeer received 2026 FICO Industry Vanguard Award for transformation of agricultural lending.
• Brownfield NetworkminorGTM or Marketing PartnerPartnership to produce agricultural podcast series covering different industries and topics important to Compeer and agriculture.
• EthicsPointminorOthersBusiness associate providing confidential and anonymous reporting system for ethics concerns, supporting Sarbanes-Oxley best practices compliance.
• KBRAminorOthersAssigned issuer rating of A- and preferred stock rating of BBB with stable outlooks in November 2025, reflecting strong market position and solid capital levels.

Scale indicators13 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Farm Credit Services of America: Large Farm Credit System association serving Iowa, Nebraska, South Dakota, and Wyoming with agricultural lending, crop insurance, and rural lending products. Closest direct peer given overlapping Farm Credit cooperative structure, product set, and customer base of farmers and ranchers.
• GreenStone Farm Credit Services: Farm Credit System cooperative serving Michigan and Wisconsin with agricultural loans, crop insurance, and rural home financing. Directly comparable given adjacent geography (overlaps Wisconsin), similar cooperative structure, and matching product portfolio.
• AgCountry Farm Credit Services: Farm Credit cooperative providing ag lending, crop insurance, and agribusiness financing across Minnesota, North Dakota, and Wisconsin. Directly comparable on geography (Minnesota overlap), Farm Credit cooperative structure, and full agricultural lending product set.
• Farm Credit Mid-America: Farm Credit cooperative serving Indiana, Ohio, Kentucky, Tennessee, and Arkansas. Comparable as another large Farm Credit System association offering agricultural loans, crop insurance, and rural lending with similar cooperative governance.
• Frontier Farm Credit: Farm Credit System association serving Kansas and Oklahoma with agricultural loans and crop insurance. Direct peer under the Farm Credit cooperative model with matching product offerings to farmers and ranchers.
• CoBank: Farm Credit System bank providing wholesale funding and direct lending to agribusinesses, rural infrastructure, and Farm Credit associations. Comparable as Farm Credit System institution with capital markets and syndicated lending capabilities Compeer accesses for large transactions.
• AgriBank: Farm Credit System bank that funds Compeer and other Midwestern Farm Credit associations. Comparable as Compeer's direct funding bank within the same Farm Credit System, providing wholesale capital and liquidity.

Emerging players

• Rabo AgriFinance: U.S. arm of Rabobank providing agricultural lending, equipment financing, and crop input financing. Comparable as commercial-bank competitor operating outside the Farm Credit System with overlapping farmer customer base in similar geographies.
• John Deere Financial: Captive finance arm of John Deere providing equipment loans, leases, and revolving credit to U.S. farmers. Comparable in equipment financing segment where Compeer also lends, representing a specialized competitor for farm machinery capital needs.

Broad incumbents

• MetLife Agricultural Investments: Institutional agricultural mortgage lender and farmland investment manager serving U.S. farmers. Comparable in farmland lending segment as a competitor for large ag real estate loans, though operating as a broader investment platform rather than full-service cooperative.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/compeerfinance
• YouTubeyoutube.com/channel/UC64oKCpUqTu0W9cn7Mp3QUw
• Facebookfacebook.com/CompeerFinancial
• LinkedInlinkedin.com/company/compeerfinancial
• Instagraminstagram.com/compeerfinancial

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries3 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Compeer Financial