credit union · NCUA 68697 · MN
How big is ST. CLOUD FINANCIAL?
ST. CLOUD FINANCIAL (MN, NCUA charter 68697) reported total assets of $456.4M, 29,001 members and a net worth ratio of 7.22% in its Call Report for 2026Q2. That ranks 806 of 4,299 federally insured credit unions by assets, 47 of 1,061 among credit unions with $100m-$500m in assets, 13 of 80 credit unions in minnesota.
What stands out
ST. CLOUD FINANCIAL (MN, NCUA charter 68697) reported total assets of $456.4M, 29,001 members and a net worth ratio of 7.22% in its Call Report for 2026Q2. That ranks 806 of 4,299 federally insured credit unions by assets, 47 of 1,061 among credit unions with $100m-$500m in assets, 13 of 80 credit unions in minnesota. Against its size class: net worth ratio 7.22%, below the peer median of 11.65%; loan-to-share ratio 95.49%, above the peer median of 73.15%; return on assets 0.55%, below the peer median of 0.74%. At 7.22% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $456.4M | $198.1M | $117.2M | $68.3M | record → |
| Shares and deposits | $399.9M | $172.3M | $102.2M | $58.3M | record → |
| Loans outstanding | $381.9M | $125.2M | $84.3M | $34.4M | record → |
| Net income (year to date) | $1.3M | $766.3k | $350.3k | $222.2k | record → |
| Net worth | $32.3M | $24.5M | $13.1M | $9.0M | record → |
| Net worth ratio | 7.22% | 11.65% | 12.56% | 12.65% | record → |
| Loan-to-share ratio | 95.49% | 73.15% | 77.94% | 68.70% | computed |
| Return on assets | 0.55% | 0.74% | 0.86% | 0.71% | computed |
| Members | 29,001 | 13,230 | 5,954 | 4,818 | record → |
Quarter by quarter
31 Call Reports on record, 2018Q4–2026Q2; the 31 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $456.4M | $399.9M | $381.9M | $1.3M | 7.22% | 29,001 | 806 |
| 2026Q1 | $439.7M | $392.2M | $347.4M | $603.8k | 7.46% | 28,213 | 816 |
| 2025Q4 | $430.0M | $383.0M | $340.0M | $4.9M | 7.57% | 28,066 | 821 |
| 2025Q3 | $408.9M | $363.4M | $332.5M | $3.5M | 7.55% | 27,804 | 851 |
| 2025Q2 | $407.3M | $363.3M | $326.3M | $3.0M | 7.50% | 27,165 | 852 |
| 2025Q1 | $391.1M | $360.4M | $323.2M | $466.9k | 7.22% | 26,273 | 876 |
| 2024Q4 | $374.6M | $345.0M | $320.5M | $1.1M | 7.34% | 25,469 | 884 |
| 2024Q3 | $369.4M | $341.8M | $314.5M | $834.6k | 7.37% | 25,469 | 899 |
| 2024Q2 | $371.3M | $328.2M | $316.0M | $543.9k | 7.37% | 25,057 | 890 |
| 2024Q1 | $353.9M | $318.0M | $297.8M | $259.5k | 7.67% | 25,172 | 921 |
| 2023Q4 | $346.8M | $311.7M | $282.3M | $2.3M | 7.72% | 24,807 | 924 |
| 2023Q3 | $347.1M | $312.7M | $271.3M | $2.1M | 7.66% | 24,776 | 917 |
| 2023Q2 | $338.3M | $304.8M | $269.7M | $1.8M | 7.75% | 24,609 | 935 |
| 2023Q1 | $332.3M | $299.8M | $264.4M | $367.7k | 7.41% | 24,436 | 951 |
| 2022Q4 | $326.8M | $293.5M | $266.4M | $2.1M | 7.43% | 24,398 | 950 |
| 2022Q3 | $320.7M | $296.8M | $260.4M | $1.7M | 7.45% | 24,224 | 958 |
| 2022Q2 | $309.0M | $276.4M | $248.1M | $945.7k | 7.48% | 23,855 | 979 |
| 2022Q1 | $294.9M | $271.1M | $227.4M | $489.6k | 7.68% | 23,517 | 1011 |
| 2021Q4 | $289.9M | $264.8M | $214.0M | $2.5M | 7.65% | 23,256 | 1008 |
| 2021Q3 | $275.7M | $251.5M | $208.1M | $2.2M | 7.91% | 22,982 | 1023 |
| 2021Q2 | $271.9M | $247.2M | $197.9M | $1.5M | 7.80% | 22,742 | 1022 |
| 2021Q1 | $266.9M | $243.2M | $183.0M | $672.3k | 7.61% | 22,871 | 1027 |
| 2020Q4 | $248.3M | $225.6M | $168.7M | $1.3M | 7.91% | 22,352 | 1034 |
| 2020Q3 | $235.5M | $212.6M | $164.3M | $894.8k | 8.18% | 22,107 | 1047 |
| 2020Q2 | $230.5M | $206.9M | $159.9M | $446.9k | 8.17% | 21,661 | 1051 |
| 2020Q1 | $214.9M | $188.3M | $153.4M | $194.6k | 8.64% | 21,714 | 1051 |
| 2019Q4 | $202.1M | $180.8M | $154.0M | $1.2M | 9.09% | 22,914 | 1065 |
| 2019Q3 | $200.1M | $178.5M | $152.1M | $967.1k | 9.07% | 22,585 | 1068 |
| 2019Q2 | $186.9M | $167.0M | $140.0M | $498.3k | 8.83% | 20,027 | 1119 |
| 2019Q1 | $189.8M | $170.5M | $135.8M | $225.2k | 8.55% | 19,646 | 1105 |
| 2018Q4 | $180.4M | $161.2M | $133.6M | $1.2M | 8.87% | 19,502 | 1123 |
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