State credit union · Sartell, Minnesota · NCUA charter #68697
St. Cloud Financial
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $430.0M
- Total assets
- 28,066
- Members
- 6.6%
- Net-worth ratio
St. Cloud Financial - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68697: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
St. Cloud Financial - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)65
- Asset quality (delinquency)100
- Earnings (ROA)75
- Member growth100
- Liquidity (loan-to-share)100
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
6.62% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.62% | 30% |
| Delinquency Rate | 0.37% | 25% |
| Return on Assets | 0.25% | 15% |
| Member Growth | 10.20% | 15% |
| Loan-to-Share Ratio | 88.79% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $430.0M | 28,066 |
| 2024Q4 | $374.6M | 25,469 |
| 2023Q4 | $346.8M | 24,807 |
Credit Union Details
- Charter Number
- 68697
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Minnesota
- City
- Sartell
- Data Quarter
- 2025Q4
What This Data Says About St. Cloud Financial
Headquartered in Sartell, Minnesota, St. Cloud Financial is a state credit union with 28,066 members, $430.0M in total assets, and $340.0M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 86/100 (Excellent), driven in part by a net worth ratio of 6.62% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #68697 and reports within peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Deposits deployed into lending sit at a 88.79% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.37% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Return on assets stands at 0.25% on net income of $1.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 10.20%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Minnesota
More federally-insured credit unions based in Minnesota, ordered by peer group match and asset size.
- CO-OP CREDIT UNION OF MONTEVIDEOMontevideo, MN · $100M–$500M80Health
- TRUSTARINTERNATIONAL F, MN · $100M–$500M97Health
- SHAREPOINTBloomington, MN · $100M–$500M74Health
- MYBLOOMINGTON, MN · $100M–$500M65Health
- CENTRICITYHERMANTOWN, MN · $100M–$500M95Health
Compare St. Cloud Financial vs CO-OP CREDIT UNION OF MONTEVIDEO
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is St. Cloud Financial financially healthy?
Yes/no aside, the number is 86/100 (Excellent) - St. Cloud Financial's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 6.62% net worth ratio and 0.37% delinquency rate are the key drivers.
How does St. Cloud Financial compare to other credit unions?
86/100 is St. Cloud Financial's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join St. Cloud Financial?
Membership eligibility for St. Cloud Financial depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact St. Cloud Financial directly for current membership requirements and application steps.
Is my money safe at St. Cloud Financial?
Federal credit unions like St. Cloud Financial are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. St. Cloud Financial's net worth ratio of 6.62% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does St. Cloud Financial offer compared to banks?
Credit unions like St. Cloud Financial are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact St. Cloud Financial directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.