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St. Cloud Financial
Sartell, MN · NCUA Charter #68697 · State charter, federally insured · Chartered 1934
Total assets
$456.35M
Shares & deposits
$399.90M
Total loans
$381.87M
Members
29,001
Net worth
$32.27M
Branches
5
Rank: #806 of 4,299 U.S. credit unions by assets · #13 of 80 in Minnesota. Assets changed 12.0% and membership 6.8% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 7.22% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.24% |
| Loans to shares & deposits | 95.5% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $309.00M | $276.43M | $0 | $23.12M |
| Jun 2023 | $338.28M | $304.82M | $0 | $26.05M |
| Jun 2024 | $371.28M | $328.19M | $0 | $26.96M |
| Jun 2025 | $407.32M | $363.25M | $0 | $30.31M |
| Jun 2026 | $456.35M | $399.90M | $0 | $32.27M |
Branch footprint
| State | Branches |
|---|---|
| Minnesota | 5 |
Similar-sized credit unions
Infuze ($456.91M) · Wmcu ($455.35M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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