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.
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NCUA 5300 Call Report Masthead
#502 of 4,374 health · 2025Q4St. Paul · health 94/100 · $258.6M · 2025Q4
Call Report peers
St. Paul in the assets neighbourhood
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St. Paul vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); St. Paul sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Minnesota, Federated Employees (#13) ties at 94/100; one place down, Duluth Fire Department (#15) scores 93/100, 1 point lower.
How St. Paul's 5300 filing moved
St. Paul: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $258.6M (2025Q4) to $261.6M (2026Q1).
- Net-worth ratio shifted -0.08 pp (12.38% → 12.30%).
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
St. Paul gives up 6 points in total. Member Growth costs the most, 4.7 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is St. Paul financially healthy?
St. Paul has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #502 of 4,374 nationally on health and #14 of 82 in Minnesota. Its net worth ratio is 12.30% and its delinquency rate 0.02%.
How does St. Paul compare to other credit unions?
St. Paul scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (86.79% vs 72.20%). Its widest shortfall is return on assets (0.41% vs 0.62%).
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?
St. Paul is a federal 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. Paul's net worth ratio of 12.30% 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.