Federal credit union · Saint Paul, Minnesota · NCUA charter #24358
St. Paul
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $258.6M
- Total assets
- 14,969
- Members
- 12.3%
- Net-worth ratio
St. Paul scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $258.6M; members 14,969; net-worth ratio 12.30%; health rank #502 of 4,374; healthier than 87th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#502 of 4,374 health · 2025Q4St. Paul · health 94/100 · $258.6M · 2025Q4
- NW 94/100
- DELQ 12.3%
- ROA 0.02%
- ASSETS 0.41%
- MEM $258.6M
- RANK 14,969
- PHOTO #502/4,374
- BOOK Saint Lawrence
- CHARTER 24358
Call Report peers
St. Paul in the assets neighbourhood
St. Paul's $258.6M assets sit next to Saint Lawrence ($258.6M) 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. Paul 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
94 Top 13% higher than 87% 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. Paul - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24358: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for St. Paul
- Largest favorable gap: Loan-to-Share Ratio at 86.79% vs peer 72.20% (+14.59 pp).
- Return on Assets trails the peer set - 0.41% here, 0.62% peer average (-0.21 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
St. Paul: in-state Call Report ranks
- Minnesota health ordinal: #14 of 82.
- By total assets, St. Paul is #25 of 82 in Minnesota.
- Member book place in Minnesota: #26 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.
How St. Paul's 5300 filing moved
St. Paul: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.2% from $258.6M (2025Q4) to $261.6M (2026Q1).
- Net-worth ratio shifted -0.08 pp (12.38% → 12.30%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 12.30% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.6 pts
- Member Growth 10.3 pts
- Loan-to-Share Ratio 15.1 pts
St. Paul vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.30% | +0.19 pp |
| Delinquency Rate | 0.02% | -0.87 pp |
| Return on Assets | 0.41% | -0.21 pp |
| Member Growth | 1.12% | - |
| Loan-to-Share Ratio | 86.79% | +14.59 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).
St. Paul quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $261.6M | - |
| 2025Q4 | $258.6M | 14,969 |
| 2024Q4 | $253.7M | 14,803 |
| 2023Q4 | $262.6M | 14,788 |
Credit Union Details
- Charter Number
- 24358
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $100M–$500M
- State
- Minnesota
- City
- Saint Paul
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for St. Paul.
| Office | City |
|---|---|
| Conway (Main Office) | Saint Paul, MN |
| Skyway St Paul | Saint Paul, MN |
| Mortgage and Investment Office | Saint Paul, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
Other federally-insured credit unions in Minnesota, closest first by peer group and asset size.
St. Paul nationwide neighbourhoods
Two NCUA Call Report peer sets for St. Paul, 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 ($258.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
Using this data
- St. Paul ranks #502 of 4,374 nationally on financial health and #14 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NOVATION is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NOVATION
- 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. Paul financially healthy?
A 12.30% net worth ratio and a 0.02% delinquency rate feed into St. Paul's financial health score of 94/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #502 of 4,374; by total assets it ranks #1,117 of 4,374 nationally (same basis as /rankings/largest); and #25 of 82 within Minnesota. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does St. Paul compare to other credit unions?
Five weighted metrics from NCUA filings produce St. Paul's 94/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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. Paul?
St. Paul operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact St. Paul directly for the exact boundaries and application steps.
Is my money safe at St. Paul?
Federal credit unions like St. Paul 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. Paul's net worth ratio of 12.30% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does St. Paul offer compared to banks?
Credit unions like St. Paul 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. Paul 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.