ST. CLOUD FINANCIAL
State-Chartered • Sartell, Minnesota • Est. 1934
Quick Facts
- Charter Number
- #68697
- Type
- State-Chartered
- Established
- 1934
- Headquarters
- Sartell, Minnesota 56377
- Address
- 1716 Pine Cone Rd S
- Branches
- 5
- ATMs
- 5
- Members
- 28,066
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
28,066 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ST. CLOUD FINANCIAL |
|---|---|
| Total Assets | $430.0M |
| Members | 28,066 |
| Loans Outstanding | $340.0M |
| Shares & Deposits | $383.0M |
| Net Worth | $32.3M |
| Net Worth Ratio | 7.57% |
| Loan-to-Share Ratio | 88.8% |
| Delinquency Rate | 0.37% |
| Net Income | +$6,088,549 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
5 locations · 5 ATMs
St Cloud Financial Credit Union
3030 1st St S
Saint Cloud, MN 56301
St Cloud Financial Credit Union - Sartell
Main Office1716 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 55301-4018
St Cloud Financial Credit Union - Becker
14267 Bank St
Becker, MN 55308-4630
Who Can Join ST. CLOUD FINANCIAL?
Membership Type: Community
Membership eligibility for ST. CLOUD FINANCIAL may vary. Contact the credit union directly to confirm qualification requirements.
Contact ST. CLOUD FINANCIAL directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Minnesota RankingsFrequently Asked Questions
Yes. ST. CLOUD FINANCIAL is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, ST. CLOUD FINANCIAL has 28,066 members and a potential membership field of 556,694 people.
ST. CLOUD FINANCIAL's net worth ratio is 7.57% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 7.6%, ST. CLOUD FINANCIAL meets this threshold.
ST. CLOUD FINANCIAL operates 5 branch locations and has access to 5 ATMs. The main office is located at 1716 Pine Cone Rd S, Sartell, MN 56377.
ST. CLOUD FINANCIAL was established in 1934. It is a state-chartered credit union chartered under charter number 68697. The institution has been serving members for 92 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or ST. CLOUD FINANCIAL. All financial data is for informational purposes only.