Charter 68697 · Sartell, MN
St. Cloud Financial Credit Union
St. Cloud Financial Credit Union is a state-chartered credit union in Sartell, Minnesota, with $456 million in assets and 29,001 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 7.22%, above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $456 million
- +12.0% in a year
- Members
- 29,001
- +6.8% in a year
- Net worth ratio
- 7.22%
- Peer median 11.65%
- Loans 60+ days late
- 0.31%
- Peer median 0.70%
- Loans outstanding
- $382 million
- +17.0% in a year
- Shares and deposits
- $400 million
- +10.1% in a year
- Branches
- 5
- 91 employees
- Opened
- 1934
- Minnesota charter
How St. Cloud Financial Credit Union compares
NCUA groups credit unions by size; St. Cloud Financial Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 7.22% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.31%, is lower than the group median of 0.70%. Loans grew 17.0% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 13 of 80 credit unions headquartered in Minnesota. See all Minnesota credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $456 million | 29,001 | $382 million | 7.22% | 0.31% |
| Q1 2026 | $440 million | 28,213 | $347 million | 7.46% | 0.41% |
| Q4 2025 | $430 million | 28,066 | $340 million | 7.57% | 0.37% |
| Q3 2025 | $409 million | 27,804 | $332 million | 7.55% | 0.44% |
| Q2 2025 | $407 million | 27,165 | $326 million | 7.50% | 0.50% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 553,083 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 5 sites for St. Cloud Financial Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- St Cloud Financial Credit Union
3030 1St St S, Saint Cloud, MN 56301 - St Cloud Financial Credit Union - Sartell (main office)
1716 Pine Cone Rd S, Sartell, MN 56377 - St Cloud Financial Credit Union-Sauk Rapids
205 2Nd Ave N, Sauk Rapids, MN 56379 - St Cloud Financial Credit Union - Albertville
5600 La Centre Ave Ste 100, Albertville, MN 55301 - St Cloud Financial Credit Union - Becker
14267 Bank St, Becker, MN 55308
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology