As a financial cooperative, the farmers and ranchers we do business with have stock ownership in the Association. As owners, they receive a share of annual profits through our cooperative patronage program. Patronage is paid to eligible stockholders based on their contribution to net interest margin, effectively reducing the cost of doing business with us!
Annually, the board declares a patronage distribution equal to the net amount of patronage sourced earnings in excess of the amount necessary to adequately capitalize the association and make needed investments in infrastructure and technology. Patronage distributions are generally delivered to customers twice a year.