State credit union · Sartell, Minnesota · NCUA charter #68697
St. Cloud Financial
Health score 90/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 90
- Health / 100
- $430.0M
- Total assets
- 28,066
- Members
- 7.5%
- Net-worth ratio
St. Cloud Financial scores 90/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $430.0M; members 28,066; net-worth ratio 7.46%; health rank #1,174 of 4,374; healthier than 73rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,174 of 4,374 health · 2025Q4St. Cloud Financial · health 90/100 · $430.0M · 2025Q4
Call Report peers
St. Cloud Financial in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
St. Cloud Financial vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); St. Cloud Financial sits in 90-94 with 747 others.
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
St. Cloud Financial: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 88.79% here, 72.20% peer average (+16.59 pp).
- Net Worth Ratio trails the peer set - 7.46% here, 12.11% peer average (-4.65 pp).
St. Cloud Financial: in-state Call Report ranks
- Minnesota health ordinal: #33 of 82.
- Minnesota assets place: #14 of 82.
- Member book place in Minnesota: #14 of 82.
- One place up in Minnesota, Topline Financial (#32) ties at 90/100; one place down, Alexandria Schools Employees (#34) scores 89/100, 1 point lower.
Quarter path for St. Cloud Financial
St. Cloud Financial: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $430.0M (2025Q4) to $439.7M (2026Q1).
- Net-worth ratio shifted -0.11 pp (7.57% → 7.46%).
7.46% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 90/100 score is built
St. Cloud Financial gives up 10 points in total. Net Worth Ratio costs the most, 6.4 of its 30; Delinquency Rate and Member Growth and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 23.7 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.3 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.46% | -4.65 pp |
| Delinquency Rate | 0.37% | -0.53 pp |
| Return on Assets | 0.25% | -0.37 pp |
| Member Growth | 10.20% | - |
| Loan-to-Share Ratio | 88.79% | +16.59 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - St. Cloud Financial
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $439.7M | - |
| 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
Branch Locations (5)
St. Cloud Financial operates 5 offices across 5 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| St Cloud Financial Credit Union - Sartell (Main Office) | Sartell, MN |
| St Cloud Financial Credit Union - Albertville | Albertville, MN |
| St Cloud Financial Credit Union - Becker | Becker, MN |
| St Cloud Financial Credit Union | Saint Cloud, MN |
| St Cloud Financial Credit Union-Sauk Rapids | Sauk Rapids, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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–$500M75Health
- MYBLOOMINGTON, MN · $100M–$500M67Health
- CENTRICITYHERMANTOWN, MN · $100M–$500M95Health
Compare St. Cloud Financial vs CO-OP CREDIT UNION OF MONTEVIDEO
Nationwide credit unions with similar profiles
Using this data
- St. Cloud Financial ranks #1,174 of 4,374 nationally on financial health and #33 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Co-Op Credit Union of Montevideo is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Co-Op Credit Union of Montevideo
Frequently Asked Questions
Is St. Cloud Financial financially healthy?
St. Cloud Financial has a financial health score of 90/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,174 of 4,374 nationally on health and #33 of 82 in Minnesota. Its net worth ratio is 7.46% and its delinquency rate 0.37%.
How does St. Cloud Financial compare to other credit unions?
St. Cloud Financial scores 90/100, higher than 73% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (88.79% vs 72.20%). Its widest shortfall is net worth ratio (7.46% vs 12.11%).
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?
St. Cloud Financial is a state-chartered credit union; its shares are federally 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 7.46% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.