TellerScore

St. Paul Federal Credit Union is a federal credit union headquartered in Saint Paul, Minnesota, in business for about 73 years. At the end of Q2 2026 it reported $252.1M in total assets and $215.2M in member shares and deposits, with 3 offices.

Based on its Q2 2026 filing, St. Paul Federal Credit Union scores 76/100, which we describe as strong. That is higher than 68% of 1,341 credit unions with $100 million – $1 billion. Among 80 credit unions headquartered in Minnesota, it ranks 28th. Its strongest component is problem-loan coverage (97/100; 1.4%), and its lowest is earnings (46/100; 0.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion79/100
Net worth ratio: 12.93%
Loan quality93/100
Loans 60+ days delinquent ÷ total loans: 0.20%
Earnings46/100
Return on assets (annualized): 0.66%
Funding & liquidity67/100
Loans ÷ shares: 92.7% · 15.5% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.37%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 76).

TellerScore
727476Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202472
Q4 202474
Q1 202575
Q2 202576
Q3 202576
Q4 202576
Q1 202674
Q2 202676
Net worth ratio
7.00%9.96%12.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.84%
Q3 202411.88%
Q4 202411.99%
Q1 202511.90%
Q2 202512.09%
Q3 202512.29%
Q4 202512.38%
Q1 202612.30%
Q2 202612.93%
Delinquent loans (60+ days)
0.01%0.11%0.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.13%
Q3 20240.09%
Q4 20240.01%
Q1 20250.04%
Q2 20250.07%
Q3 20250.11%
Q4 20250.02%
Q1 20260.17%
Q2 20260.20%
Return on assets
0.42%0.63%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.59%
Q3 20240.44%
Q4 20240.42%
Q1 20250.69%
Q2 20250.72%
Q3 20250.84%
Q4 20250.72%
Q1 20260.62%
Q2 20260.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$252.1M12.93%0.20%0.66%92.7%
Q1 202674$261.6M12.30%0.17%0.62%85.6%
Q4 202576$258.6M12.38%0.02%0.72%86.8%
Q3 202576$258.7M12.29%0.11%0.84%82.3%
Q2 202576$257.2M12.09%0.07%0.72%81.6%
Q1 202575$257.2M11.90%0.04%0.69%81.6%
Q4 202474$253.7M11.99%0.01%0.42%82.8%
Q3 202472$254.2M11.88%0.09%0.44%87.1%
Q2 202472$254.2M11.84%0.13%0.59%91.7%

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 ratio12.93%
69th
Problem loans0.20%
89th
Net charge-offs0.22%
67th
Return on assets0.66%
43rd
Loans to deposits92.7%
12th
Uninsured deposits15.5%
5th
Loan-loss reserves0.00%
50th
Texas ratio1.4%
84th

Similar-size credit unions in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Building Trades Federal Credit UnionCredit union Maple Grove, MN73 out of 100, Strong$249.9M10.9%0.29%vs
Novation Credit UnionCredit union Oakdale, MN71 out of 100, Strong$244.0M11.0%0.66%vs
Expedition Credit UnionCredit union Mendota Heights, MN66 out of 100, Moderate$223.5M9.9%0.34%vs
North Shore Federal Credit UnionCredit union Silver Bay, MN74 out of 100, Strong$284.8M12.8%0.33%vs
Home Town Federal Credit UnionCredit union Owatonna, MN72 out of 100, Strong$293.3M10.6%0.58%vs
Accentra Credit UnionCredit union Austin, MN61 out of 100, Moderate$208.2M10.7%1.57%vs

Deposit insurance

Is my money safe at St. Paul Federal Credit Union?

Yes. St. Paul Federal Credit Union is a federally insured credit union (NCUA charter #24358). 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 15.5% of shares and deposits ($33.4M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.93%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

St. Paul Federal Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, St. Paul Federal Credit Union reported 79 home-loan applications under HMDA (LEI 254900TFUMB07CBEN720): 62 originated ($16,560,000 total), 5 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.5%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
St. Paul Federal Credit Union
Type
Federal credit union
NCUA charter #
24358
RSSD ID
176491
Primary regulator
NCUA
Established
1953
Headquarters
1330 Conway St Ste 200, Saint Paul, MN 55106
Employees
32

Quick answers

St. Paul Federal Credit Union: common questions

Is St. Paul Federal Credit Union NCUA insured?

Yes. St. Paul Federal Credit Union is a federally insured credit union (NCUA charter #24358). 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. Paul Federal Credit Union's TellerScore?

76 out of 100 (Strong), 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. Paul Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Saint Paul

InstitutionScoreAssetsCapitalProblem loansCompare
Vermillion State BankBank Vermillion, MN90 out of 100, Very strong$931.4M13.4%0.24%vs
Ziegler Federal Credit UnionCredit union Bloomington, MN87 out of 100, Very strong$4.3M26.9%1.09%vs
Carpenters Federal Credit UnionCredit union Saint Paul, MN86 out of 100, Very strong$44.3M16.0%1.01%vs
Think Mutual BankBank Rochester, MN86 out of 100, Very strong$2.2B16.3%0.25%vs
PrinsBankBank Prinsburg, MN85 out of 100, Very strong$308.3M12.0%0.29%vs
Toro Employees Federal Credit UnionCredit union Bloomington, MN84 out of 100, Strong$41.5M14.5%0.56%vs