ST. CLOUD FINANCIAL
Sartell, MN · State Credit Union · Chartered in MN
Who can join
Type 99
Members
28,213
Net Worth Ratio
7.46%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$439.7M
Peer Group 5
Members
28,213
as of latest quarter
Net Worth Ratio
7.46%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Financial Snapshot
Total Assets
$439.7M
Total Shares
$392.2M
Total Loans
$347.4M
Net Income
$604K
Net Worth Ratio
7.46%
≥7% = Well Capitalized
Members
28,213
Return on Assets
0.14%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.21%
$717K
Loan-to-share ratio: 88.6%· healthy range 60–80%
Branch Locations
NCUASt Cloud Financial Credit Union - Sartell
1716 Pine Cone Rd S, Sartell, MN, 56377
varies
St Cloud Financial Credit Union-Sauk Rapids
205 2nd Ave N, Sauk Rapids, MN, 56379
Lobby 9-5 Mon - FriDrive Up 7:30am - 6:00pm Mon-Fri
St Cloud Financial Credit Union - Albertville
5600 La Centre Ave Ste 100, Albertville, MN, 55301-4018
9-5
St Cloud Financial Credit Union - Becker
14267 Bank St, Becker, MN, 55308-4630
9-5
St Cloud Financial Credit Union
3030 1st St S, Saint Cloud, MN, 56301
varies
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/st-cloud-financial" target="_blank" rel="noopener">View ST. CLOUD FINANCIAL on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.