TellerScore

St. Cloud Financial Credit Union is a federally insured state-chartered credit union headquartered in Sartell, Minnesota, in business for about 92 years. At the end of Q2 2026 it reported $456.4M in total assets and $399.9M in member shares and deposits, with 5 offices.

Based on its Q2 2026 filing, St. Cloud Financial Credit Union scores 57/100, which we describe as moderate. That is higher than only 14% of 1,341 credit unions with $100 million – $1 billion. Among 80 credit unions headquartered in Minnesota, it ranks 73rd. Its strongest component is problem-loan coverage (93/100; 3.7%), and its lowest is capital cushion (22/100; 7.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion22/100
Net worth ratio: 7.22%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.31%
Earnings42/100
Return on assets (annualized): 0.55%
Funding & liquidity65/100
Loans ÷ shares: 95.5% · 4.9% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.70%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 6 points (63 → 57), mostly because the earnings component weakened by 36 points.

TellerScore
515763Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202451
Q3 202451
Q4 202451
Q1 202554
Q2 202563
Q3 202562
Q4 202563
Q1 202657
Q2 202657
Net worth ratio
7.00%7.29%7.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.37%
Q3 20247.37%
Q4 20247.34%
Q1 20257.22%
Q2 20257.50%
Q3 20257.55%
Q4 20257.57%
Q1 20267.46%
Q2 20267.22%
Delinquent loans (60+ days)
0.31%0.53%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.67%
Q3 20240.75%
Q4 20240.73%
Q1 20250.55%
Q2 20250.50%
Q3 20250.44%
Q4 20250.37%
Q1 20260.41%
Q2 20260.31%
Return on assets
0.29%0.87%1.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.29%
Q3 20240.30%
Q4 20240.29%
Q1 20250.48%
Q2 20251.45%
Q3 20251.15%
Q4 20251.14%
Q1 20260.55%
Q2 20260.55%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$456.4M7.22%0.31%0.55%95.5%
Q1 202657$439.7M7.46%0.41%0.55%88.6%
Q4 202563$430.0M7.57%0.37%1.14%88.8%
Q3 202562$408.9M7.55%0.44%1.15%91.5%
Q2 202563$407.3M7.50%0.50%1.45%89.8%
Q1 202554$391.1M7.22%0.55%0.48%89.7%
Q4 202451$374.6M7.34%0.73%0.29%92.9%
Q3 202451$369.4M7.37%0.75%0.30%92.0%
Q2 202451$371.3M7.37%0.67%0.29%96.3%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio7.22%
1st
Problem loans0.31%
81st
Net charge-offs0.12%
82nd
Return on assets0.55%
35th
Loans to deposits95.5%
7th
Uninsured deposits4.9%
61st
Loan-loss reserves0.00%
50th
Texas ratio3.7%
54th

Similar-size credit unions in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Co-Op Credit Union of MontevideoCredit union Montevideo, MN69 out of 100, Moderate$422.8M15.8%3.18%vs
Trustar Federal Credit UnionCredit union International F, MN88 out of 100, Very strong$376.7M15.4%0.36%vs
My Credit UnionCredit union Bloomington, MN51 out of 100, Below average$366.4M9.4%1.23%vs
Sharepoint Credit UnionCredit union Bloomington, MN68 out of 100, Moderate$360.1M11.8%1.02%vs
First Alliance Credit UnionCredit union Rochester, MN67 out of 100, Moderate$358.5M9.9%1.19%vs
Centricity Credit UnionCredit union Hermantown, MN85 out of 100, Very strong$340.5M14.0%0.79%vs

Deposit insurance

Is my money safe at St. Cloud Financial Credit Union?

Yes. St. Cloud Financial Credit Union is a federally insured credit union (NCUA charter #68697). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.9% of shares and deposits ($19.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 7.22%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

St. Cloud Financial Credit Union lists 5 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
St. Cloud Financial Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68697
RSSD ID
142599
Primary regulator
State + NCUA
Established
1934
Headquarters
1716 Pine Cone Rd S, Sartell, MN 56377
Employees
91

Quick answers

St. Cloud Financial Credit Union: common questions

Is St. Cloud Financial Credit Union NCUA insured?

Yes. St. Cloud Financial Credit Union is a federally insured credit union (NCUA charter #68697). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is St. Cloud Financial Credit Union's TellerScore?

57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does St. Cloud Financial Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Sartell

InstitutionScoreAssetsCapitalProblem loansCompare
Liberty Bank MinnesotaBank Saint Cloud, MN86 out of 100, Very strong$290.2M12.9%0.00%vs
Lake Central BankBank Annandale, MN86 out of 100, Very strong$291.3M11.2%0.04%vs
The First National Bank of MilacaBank Milaca, MN81 out of 100, Strong$293.2M10.8%0.37%vs
American Heritage National BankBank Long Prairie, MN80 out of 100, Strong$604.7M11.9%0.00%vs
Battle Bank, National AssociationBank Upsala, MN79 out of 100, Strong$180.8M33.3%0.00%vs
Pine Country BankBank Little Falls, MN78 out of 100, Strong$380.3M10.2%0.06%vs