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
- ROA 90/100
- ASSETS 7.5%
- MEM 0.37%
- RANK 0.25%
- PHOTO $430.0M
- BOOK 28,066
- CHARTER #1,174/4,374
- NCUSIF DEXSTA
- CAMELS 68697
Call Report peers
St. Cloud Financial in the assets neighbourhood
St. Cloud Financial's $430.0M assets sit next to DEXSTA ($430.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
90 Top 27% higher than 73% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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: 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).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for St. Cloud Financial
St. Cloud Financial: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $430.0M (2025Q4) to $439.7M (2026Q1).
- Net-worth ratio shifted -0.11 pp (7.57% → 7.46%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 90.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for St. Cloud Financial, both outside Minnesota so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($430.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (90/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Minnesota credit unions compare overall before assuming this one is typical. Minnesota state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is St. Cloud Financial financially healthy?
Yes/no aside, the number is 90/100 (Excellent) - St. Cloud Financial's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,174 of 4,374; by total assets it ranks #821 of 4,374 nationally (same basis as /rankings/largest); and #14 of 82 within Minnesota. Above 80 reads excellent, below 50 warrants closer monitoring; a 7.46% net worth ratio and 0.37% delinquency rate are the key drivers.
How does St. Cloud Financial compare to other credit unions?
90/100 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 7.46% exceeds 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.
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.