Compeer Financial
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.
- Company typePrivate
- Founded2017
- HeadquartersAledo, United States
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
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.
Compeer Financial firmographics
Firmographics- 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
Compeer Financial industry classification
Industry- 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
Where Compeer Financial is headquartered
LocationHeadquarters
- HQ city
- Aledo
- HQ country
- United States
- HQ region
- North America
Offices35 records
Markets served
Compeer Financial business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Agricultural Lending: Interest income from agricultural loans including farmland loans, operating loans, equipment financing, starter loans, livestock loans, and commercial financing for agribusinesses.
- 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.
- Insurance Products: Crop insurance, livestock and dairy insurance, and life and disability insurance products offered as part of comprehensive agricultural risk management.
- Agricultural Business Services: Appraisal services, cash management services, farm tax and accounting services, and transition/succession planning. Revenue from service fees.
- Patronage Program: Member-owned cooperative structure where profits are distributed back to members through patronage refunds based on their borrowing relationship.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Agricultural loan products customized to farm operations |
| Other | Monthly | RuraLiving hobby farm mortgage program |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels12 records
Compeer Financial product offering
Product offeringCore 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
Companies that use Compeer Financial
Customer profileNamed customers6 records
Segments5 records
Ideal customer profiles4 records
Compeer Financial technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability3 records
Feature4 records
Compeer Financial partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- PepsiCocoreLaunched 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 FundcoreAided in development of RegenLend program for strip-till equipment financing, providing expertise in sustainable agriculture and regenerative farming practices.
- Soil and Water Outcomes FundcoreServes as operational partner managing the RegenLend program, handling verification and management of conservation practice outcomes.
- FICOcoreImplemented 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 NetworkminorPartnership to produce agricultural podcast series covering different industries and topics important to Compeer and agriculture.
- EthicsPointminorBusiness associate providing confidential and anonymous reporting system for ethics concerns, supporting Sarbanes-Oxley best practices compliance.
- KBRAminorAssigned 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
Compeer Financial competitors and assessment
Company assessmentDirect 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
Compeer Financial social profiles
Digital presenceCompeer Financial compliance and trust
Trust signalCompliance7 records
Compeer Financial financial estimates
Financial estimateRevenue estimate
Valuation estimate
Compeer Financial leadership team
Management profileNumber of profiles
Profiles3 records
Compeer Financial subsidiaries and ownership
Company hierarchySubsidiaries3 records
Compeer Financial funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Compeer Financial M&A and investment
M&A and investmentM&A1 record
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Compeer Financial
What does Compeer Financial do?
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.
Is Compeer Financial a public or private company?
Compeer Financial is a private company. It is classified as state government owned and is currently operating.
When was Compeer Financial founded?
Compeer Financial was founded in 2017. It employs 1,001 to 5,000 people.
Where is Compeer Financial based?
Compeer Financial is headquartered in Aledo, United States, in the North America region.
How does Compeer Financial make money?
Five revenue lines are on record. Agricultural Lending is the primary driver. The others are home Mortgage Lending, insurance Products, agricultural Business Services and patronage Program.
Who are Compeer Financial's main competitors?
Direct peers on record are Farm Credit Services of America, GreenStone Farm Credit Services, AgCountry Farm Credit Services, Farm Credit Mid-America, Frontier Farm Credit, CoBank and AgriBank. Emerging players are Rabo AgriFinance and John Deere Financial. MetLife Agricultural Investments is listed as a broad incumbent.
Does Compeer Financial have an API?
No public API is recorded for Compeer Financial.
What industry is Compeer Financial in?
Compeer Financial's product category is Agricultural Lending. Its primary akta.pro industry code is FSABAEAG, Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks), with a secondary code of AFAAAFAO, Farm Finance, Input Procurement & Risk Tools (Budgeting, Inventory, Insurance Links). Its NAICS code is 522130 and its SIC code is 6159.