Commodities Financed

We maintain a diverse loan portfolio to reduce risks associated with a downturn in any single agricultural commodity. By serving a wide range of commodities and operation types, we are able to mitigate risk and ensure that any material stress on the entire portfolio is minimized.

IN 2022, our Board again voted to approve our patronage distribution at a full 1.0%, resulting in nearly $186 million back to you, our loyal customer-owners.

Our efforts to maintain a diversified loan portfolio, balanced across commodities and locations, has helped minimize the impacts of stress on any individual sector. We also continue to improve our business processes and operating efficiency.

As a result of these efforts, we are able to share more profit with our members than ever before.

Again, we did this by finding efficiency gains in the business, not by charging you more. In fact, we lowered the spread between interest rates charged to borrowers and our own cost of funds.