Credit union call report ยท Saint Cloud, MN
Saint Cloud Financial Credit Union Call Report
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Saint Cloud Financial Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 469 filed line items, in the form's order. Dollar amounts are whole dollars as filed.
| Call report form | NCUA 5300 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| NCUA charter number | 68697 |
| Federal Reserve RSSD ID | 142599 |
The official copy: search charter number 68697 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.
Saint Cloud Financial Credit Union call report, Q2 2026
Statement of Financial Condition (38 items)
| Line item | Account | Q2 2026 |
|---|---|---|
| 1a. Coin and Currency | AS0004 | $3.9M |
| 1b. Cash Items in Process of Collection | AS0005 | $2.3M |
| 1c. Total Cash on Hand | 730A | $6.1M |
| 2a. Cash on Deposit in Corporate Credit Unions | 730B1 | $37K |
| 2c. Cash on Deposit in Other Financial Institutions | 730B2 | $1.7M |
| 2. Cash on Deposit (total) | 730B | $1.8M |
| 3. Time Deposits in Banks and Credit Unions | AS0007 | $7.4M |
| 4. All Other Deposits | AS0008 | $98K |
| 5. TOTAL CASH AND OTHER DEPOSITS | AS0009 | $15.4M |
| 8. Available-for-Sale Debt Securities | AS0067 | $13.6M |
| 11. TOTAL INVESTMENT SECURITIES | AS0013 | $13.6M |
| 12b. Perpetual Contributed Capital | 769B | $233K |
| 12c. All Other Investments | AS0016 | $843K |
| 13. TOTAL OTHER INVESTMENTS | AS0017 | $1.1M |
| 14. Loans Held for Sale | 003 | $898K |
| 15a. Number of Total Loans and Leases | 025A | 16,535 |
| 15b. Total Loans and Leases | 025B | $381.9M |
| 17. ACL on Loans and Leases | AS0048 | $1.5M |
| 19. Land and Building | 007 | $6.8M |
| 20. Other Fixed Assets | 008 | $1.9M |
| 21. NCUA Share Insurance Capitalization Deposit | 794 | $3.6M |
| 22b. Mortgage Servicing Rights | 779 | $44K |
| 22c. Other Intangible Assets | AS0032 | $776K |
| 22d. Accrued Interest on Loans | 009A | $1.1M |
| 22e. Accrued Interest on Investments | 009B | $1.4M |
| 22f. All Other Assets | 009C | $29.4M |
| 22g. Total Other Assets | AS0036 | $32.7M |
| 23. TOTAL ASSETS | 010 | $456.4M |
| Accounts Payable and Other Liabilities | 825 | $6.5M |
| ACL on Off-Balance-Sheet Exposures | LI0003 | $31K |
| Borrowings (total) | 860C | $18.1M |
| Member Shares of All Types | 013 | $399.9M |
| Total Shares and Deposits | 018 | $399.9M |
| Undivided Earnings | 940 | $27.4M |
| Net Income (equity) | 602 | $1.3M |
| Total Net Worth | 997 | $32.3M |
| Net Worth Ratio | 998 | 7.22% |
| TOTAL LIABILITIES, SHARES, AND EQUITY | 014 | $456.4M |
Statement of Income and Expense (26 items)
| Line item | Account | Q2 2026 |
|---|---|---|
| 1. Interest on Loans and Leases | 110 | $9.3M |
| 3. Income from Investments | 120 | $1.2M |
| 5. TOTAL INTEREST INCOME | 115 | $10.5M |
| 6. Dividends on Shares | 380 | $3.4M |
| 8. Interest on Borrowed Money | 340 | $219K |
| 9. TOTAL INTEREST EXPENSE | 350 | $3.7M |
| 10. NET INTEREST INCOME | IS0010 | $6.8M |
| 12a. Credit Loss Expense - Loans and Leases | IS0011 | $285K |
| 12d. Credit Loss Expense - Off-Balance-Sheet | IS0016 | $3K |
| 12e. Total Credit Loss Expense | IS0017 | $288K |
| 13. Fee Income | 131 | $1.1M |
| 14. Other Operating Income | IS0020 | $1.4M |
| 16. Gain (Loss) on Other Investments | IS0047 | $28K |
| 19. Gain (Loss) on Sale of Loans | IS0029 | $348K |
| 23. TOTAL NON-INTEREST INCOME | 117 | $2.9M |
| 24. Employee Compensation and Benefits | 210 | $3.5M |
| 25. Travel and Conference | 230 | $218K |
| 26. Office Occupancy | 250 | $446K |
| 27. Office Operations | 260 | $916K |
| 28. Educational and Promotional | 270 | $268K |
| 29. Loan Servicing | 280 | $341K |
| 30. Professional and Outside Services | 290 | $2.3M |
| 32. Operating Fees | 320 | $26K |
| 33. Miscellaneous Operating Expense | 360 | $53K |
| 34. TOTAL NON-INTEREST EXPENSE | 671 | $8.1M |
| 35. NET INCOME | 661A | $1.3M |
Statement pages - all other filed accounts (25 items)
delinquency (21%), credit cards (21%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent | 020B | $2.2M |
| Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent | 021B | $650K |
| Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent | 022B | $220K |
| Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent | 023B | $52K |
| Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. | 024B | $21K |
| Loans Granted Year-to-Date | 031A | $3K |
| Amount of Loans Granted Year-to-Date | 031B | $117.4M |
| Total Amount of Delinquent Loans & Leases (Two or more months) | 041B | $1.2M |
| Number of current members (not number of accounts) | 083 | 29,001 |
| Number of potential members | 084 | 553,083 |
| Net Member Business Loan Balance | 400A | $63.2M |
| Interest Rate of Unsecured Credit Card Loans | 521 | 999.00% |
| Interest Rate of All Other Unsecured Loans/Lines of Credit | 522 | 999.00% |
| Interest Rate of New Vehicle Loans | 523 | 499.00% |
| Interest Rate of Used Vehicle Loans | 524 | 499.00% |
| Total Amount of All Loans Charged Off Year-to-Date | 550 | $315K |
| Total Amount of All Year-to-Date Recoveries on Charged-Off Loans | 551 | $85K |
| Total Amount of All Other Shares | 630 | $1.7M |
| Amount of Regular Shares | 657 | $106.8M |
| Amount of Share Drafts | 902 | $90.3M |
| IRA/KEOGH Accounts - < 1 Year | 906A | $10.5M |
| Share Certificates - < 1 Year | 908A | $118.6M |
| Total Amount of Share Certificates | 908C | $132.7M |
| Total Amount of Money Market Shares | 911 | $56.8M |
| Number of Used Vehicle Loans | 968 | 7,255 |
NCUA data file FS220A (28 items)
loans and leases (25%), income and expense (25%), shares and deposits (19%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Average of the three month-end balances over the calendar quarter | 010B | $446.9M |
| Total Shares - < 1 Year | 013A | $384.8M |
| Total Shares - 1-3 Years | 013B1 | $13.6M |
| Total Shares - > 3 Years | 013B2 | $1.6M |
| Total Shares and Deposits - < 1 Year | 018A | $384.8M |
| Total Shares and Deposits - 1-3 Years | 018B1 | $13.6M |
| Total Shares and Deposits - > 3 Years | 018B2 | $1.6M |
| Number of Total Delinquent Loans & Leases (Two or more months) | 041A | 110 |
| Amount of Delinquent Indirect Loans | 041E | $699K |
| Effective date of last audit | 063 | $32K |
| Amount of Used Vehicle Loans | 370 | $81.8M |
| Amount of New Vehicle Loans | 385 | $39.0M |
| Amount of Unsecured Credit Card Loans | 396 | $4.8M |
| Amount of All Other Unsecured Loans/Lines of Credit | 397 | $4.4M |
| Share Certificates | 451 | $5K |
| Number of Accounts for Share Drafts | 452 | 16,470 |
| IRA/KEOGH Accounts | 453 | $679 |
| Number of Accounts for Regular Shares | 454 | 33,598 |
| All other shares | 455 | $687 |
| Money Market Shares | 458 | $1K |
| Number of Accounts for Total Shares and Deposits (Sum of items 15-16) | 460 | 57,374 |
| Number of credit union employees who are Full-Time (26 hours or more) | 564A | 86 |
| Number of credit union employees who are Part-Time (25 hours or less per week) | 564B | 5 |
| Number of Outstanding Indirect Loans | 617A | 6,905 |
| Total Amount of Outstanding Indirect Loans | 618A | $109.4M |
| Total credit lines | 881 | $92.1M |
| Draws against lines of credit, less than 1 year | 883A | $18.1M |
| Draws against lines of credit, total amount | 883C | $18.1M |
NCUA data file FS220B (30 items)
maturity and repricing buckets (40%), credit cards (17%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent | 026B | $11K |
| Amount of Delinquent Unsecured Credit Card Loans as of - 6 to less than 12 months delinquent | 027B | $25K |
| Number - Total Delinquent Credit Card Loans | 045A | 8 |
| Total Amount of Delinquent Unsecured Credit Card Loans | 045B | $49K |
| Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) | 065A4 | $19.6M |
| Total Uninsured Shares and Deposits > $250K (F+J) | 068A | $19.6M |
| Total Insured Shares and Deposits > $250K (item 17 less item K) | 069A | $380.3M |
| Effective date of the most recent Supervisory Committee verification of Member's accounts | 603 | $32K |
| All other shares - < 1 Year | 630A | $1.7M |
| Amount of Regular Shares - < 1 Year | 657A | $106.8M |
| Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date | 680 | $12K |
| Total Amount of All First Mortgage Loans which have been sold in the secondary market year-to-date | 736 | $10.4M |
| Total Borrowings - < 1 Year | 860A | $18.1M |
| Does you credit union maintain share/deposit insurance coverage other than the NCUSIF? | 875 | $1 |
| Dollar amount of shares and/or deposits insured by the company named above | 877 | $3.2M |
| Is your credit union a member of a Federal Home Loan Bank? | 896 | $1 |
| Amount of Share Drafts - < 1 Year | 902A | $90.3M |
| IRA/KEOGH Accounts - 1-3 Years | 906B1 | $903K |
| IRA/KEOGH Accounts - > 3 Years | 906B2 | $189K |
| Total Amount of IRA/KEOGH Accounts | 906C | $11.6M |
| Share Certificates - 1-3 Years | 908B1 | $12.7M |
| Share Certificates - > 3 Years | 908B2 | $1.4M |
| Money Market Shares - < 1 Year | 911A | $56.8M |
| Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff | 956 | $2.2M |
| Number of New Vehicle Loans | 958 | 1,219 |
| Total Shares | 966 | $57K |
| Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. | 971 | $1.0M |
| Number of Unsecured Credit Card Loans | 993 | 1,677 |
| Number of All Other Unsecured Loans/Lines of Credit | 994 | 1,586 |
| Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff | 995 | 27 |
NCUA data file FS220C (12 items)
charge-offs and recoveries (27%), participation loans (18%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records | 064 | $1 |
| Total Amount of Indirect Loans Charged Off Year-to-Date | 550E | $189K |
| Total Amount of All Participation Loans Charged Off Year-to-Date | 550F | $1K |
| Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans | 551E | $71K |
| Total Amount of All Year-to-Date Recoveries on Charged-Off Participation Loans | 551F | $2K |
| Number of credit union branches (include the main office if member services are conducted at that location) | 566 | 5 |
| Supplemental Share Information - Accts Held by Member Government Depositors | 631 | $20K |
| Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 | 638 | $52.7M |
| Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 | 639 | $4.8M |
| Amount of Participation Loans Purchased Year-to-Date | 690 | $1.0M |
| Amount of Participation Loans Sold Year-to-Date | 691 | $10.3M |
| Outstanding balance of brokered certificates of deposit and share certificates | 788 | $2.3M |
NCUA data file FS220D (30 items)
member services and products offered (69%), CUSO relationships (27%)
| Line item | Account | Q2 2026 |
|---|---|---|
| No Cost Share Drafts | 879A4 | $1 |
| Share Certificates with Low Minimum Balance Requirements | 879A5 | $1 |
| Financial Counseling | 879B1 | $1 |
| Financial Education | 879B2 | $1 |
| Financial Literacy Workshops | 879B3 | $1 |
| First Time Homebuyer Program | 879B4 | $1 |
| No Cost Bill Payer | 879C2 | $1 |
| Credit Builder | 879D1 | $1 |
| Mortgage Processing | 879G | $1 |
| Approved Mortgage Seller | 879H | $1 |
| Brokered Certificates of Deposits | 879N | $1 |
| International Remittances | 879V | $1 |
| Low-cost wire transfers | 879W | $1 |
| Member Application | 887A | $1 |
| Loan Application | 887B | $1 |
| New Share Account | 887E | $1 |
| Loan Payments | 887F | $1 |
| Bill Payment | 887J | $1 |
| Electronic Signature Authentication/Certification | 887P | $1 |
| e-Statements | 887R | $1 |
| External Transfers/Payment ? ACH | 887S | $1 |
| Remote Deposit Capture | 887U | $1 |
| MobilePmts | 887V | $1 |
| Informational Website | PI0007 | $1 |
| Mobile Application | PI0008 | $1 |
| Online Banking | PI0009 | $1 |
| Person-to-Person | PI0011 | $1 |
| Point-of-sale-Processing | PI0012 | $1 |
| Offer Non-Custodial Accounts | PP0033 | $1 |
| Does the CU offer an ATM Network that is surcharge free? | PP0034 | $1 |
NCUA data file FS220G (11 items)
loans and leases (32%), participation loans (18%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Equity Acquired in Merger | 658A | $3.7M |
| Total Outstanding Amount of Participation Loans Purchased By Type | 691L | $3.9M |
| Outstanding Amount of Real Estate Participation Loans Purchased | 691L2 | $58K |
| Total Outstanding Amount of Participation Loans Sold By Type | 691N | $8.8M |
| Total Value of Investments in CUSOs | 851 | $3.3M |
| Total Aggregate Cash Outlay in CUSOs | 853 | $3.3M |
| Assets Pledged to Secure Borrowings | 878 | $113.8M |
| Total Credit Lines at Corporate Credit Unions | 884 | $10.1M |
| Line of Credit Borrowings Outstanding from Corporate Credit Unions | 885A | $5.0M |
| Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations | 1004 | $3.7M |
| Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations | 1004A | $3.7M |
NCUA data file FS220H (10 items)
student loans (43%), delinquency (27%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Amount of Non-Federally Guaranteed Student Loans - 1 to <2 months | 020T | $495 |
| Non-Federally Guaranteed Student Loans YTD Recoveries | 551T | $548 |
| Interest Rate on Non-Federally Guaranteed Student Loans | 595A | 1,135.00% |
| Outstanding Amount of Non-Federally Guaranteed Student Loans Participations Purchased | 691L7 | $1K |
| Outstanding Amount of Non-Federally Guaranteed Student Loans Participations Sold | 691N7 | $12K |
| Amount of Non-Federally Guaranteed Student Loans | 698A | $1.7M |
| Total Unfunded Commitments for all loan types | 816A | $56.1M |
| Number of Non-Federally Guaranteed Student Loans | 963A | 210 |
| Total number of TDR loans outstanding | 1000F | $8 |
| Total amount of TDR loans outstanding | 1001F | $129K |
NCUA data file FS220I (18 items)
vehicle lending (59%), delinquency (44%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Amount of New Vehicle Loans Delinquent 30 to 59 days | 020C1 | $95K |
| Amount of Used Vehicle Loans Delinquent 30 to 59 days | 020C2 | $544K |
| Amount of New Vehicle Loans Delinquent 60 to 179 days | 021C1 | $81K |
| Amount of Used Vehicle Loans Delinquent 60 to 179 days | 021C2 | $264K |
| Amount of Used Vehicle Loans Delinquent 180 to 359 days | 022C2 | $60K |
| Amount of Used Vehicle Loans Delinquent >=360 days | 023C2 | $44K |
| Number of Reportable Delinquent New Vehicle Loans | 035E1 | 4 |
| Number of Reportable Delinquent Used Vehicle Loans | 035E2 | 64 |
| Amount of Reportable Delinquent New Vehicle Loans | 041C1 | $101K |
| Amount of Reportable Delinquent Used Vehicle Loans | 041C2 | $524K |
| Amount of Used Vehicle Loans YTD Charge Offs | 550C2 | $157K |
| Amount of New Vehicle Loans YTD Recoveries | 551C1 | $2K |
| Amount of Used Vehicle Loans YTD Recoveries | 551C2 | $31K |
| Commercial Share Accounts | 643 | $30.4M |
| Negative Shares as Included in All Other Unsecured Loans/Lines of Credit | 644 | $107K |
| Draws Against LOCs from FHLB | 885A3 | $13.0M |
| Total Draws Againts LOCs | 885A4 | $18.1M |
| Number of International Remittances originated Year-to-Date | 928 | 12 |
NCUA data file FS220J (5 items)
investment portfolio detail (33%), insured and uninsured shares (33%), derivatives (25%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Investments Not Authorized by the FCU Act or NCUA Rules and Regulations (SCU ONLY). Exclude investments listed in Line 20 a. or b. (below). | 784A | $17.0M |
| Other Assets - Split Dollar Life Insurance Arrangements - Collateral Assignment | 789E | $3.4M |
| Other Assets - Other Insurance | 789E2 | $4.6M |
| Other Assets - Other Non-insurance | 789F | $13.8M |
| Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) | 789G | $21.9M |
NCUA data file FS220L (56 items)
commercial and business lending (90%), participation loans (36%), real estate lending (18%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Total Number of Loans & Leases on Loan Schedule | 025A1 | $17K |
| Total Amount of Loans & Leases on Loan Schedule | 025B1 | $381.9M |
| Outstanding Balance of Member Commercial Loans Secured by Farmland | 042A5 | $3.6M |
| Outstanding Balance of Member Commercial Loans to finance agricultural production and other loans to farmers | 042A6 | $1.0M |
| Amount of Agricultural Commercial Loans | 042A9 | $4.7M |
| Total number of commercial loans to members granted or purchased YTD | 090A1 | $20 |
| Number of member commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD | 090H2 | 5 |
| Number of member commercial loans Secured by Non-Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD | 090J2 | 6 |
| Total Number of member commercial real estate secured loans granted or purchased YTD | 090K2 | $14 |
| Number of Member Commercial and industrial loans granted or purchased YTD | 090L2 | 5 |
| Number of Member Commercial loans Secured by Farmland granted or purchased YTD | 099A5 | 2 |
| Number of Member commercial Loans to finance agricultural production and other loans to farmers granted or purchased YTD | 099A6 | 1 |
| Number of member construction and development commercial loans | 143A3 | 4 |
| Number of purchased or participation interests in commercial loans secured by construction and development property to nonmembers | 143A4 | 2 |
| Outstanding balance of member construction and development commercial loans | 143B3 | $1.6M |
| Outstanding balance of purchased or participation interests in commercial loans secured by construction and development property to nonmembers | 143B4 | $2.4M |
| Number of member construction and development commercial loans granted or purchased YTD | 143C3 | 1 |
| Dollar Amount of member construction and development commercial loans granted or purchased YTD | 143D3 | $247K |
| Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties | 386A | $37.6M |
| Total outstanding balance of commercial loans to members | 400A1 | $56.4M |
| Total outstanding balance of nonmember commercial loans | 400B1 | $3.8M |
| Outstanding balance of Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes | 400C6 | $37K |
| Outstanding balance of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property | 400H2 | $15.0M |
| Outstanding balance of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property | 400J2 | $27.0M |
| Outstanding balance of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers | 400J3 | $915K |
| Outstanding balance of Member Commercial and Industrial loans | 400L2 | $5.0M |
| Outstanding balance of member commercial loans Secured Multifamily Property | 400M | $3.2M |
| Outstanding balance of purchased or participation interests in commercial loans to nonmembers Secured by Multifamily Property | 400M1 | $500K |
| Amount of Commercial Loans/Lines of Credit Not Real Estate Secured | 400P | $6.1M |
| Outstanding balance of all member and non-member commercial loans | 400T1 | $60.2M |
| Dollar Amount of Member Commercial loans Secured by Farmland granted or purchased YTD | 463A5 | $3.6M |
| Dollar Amount of Member Commercial loans to finance agricultural production and other loans to farmers granted or purchased YTD | 463A6 | $988K |
| Total Dollar amount of member commercial loans granted or purchased YTD | 475A1 | $17.5M |
| Dollar Amount of Member Commercial loans Secured by Owner Occupied Non-farm, Non-Residential Property granted or purchased YTD | 475H2 | $1.9M |
| Dollar Amount of Member Commercial loans Secured by Non-Owner Occupied Non-Farm, Non-Residential Property granted or purchased YTD | 475J2 | $9.7M |
| Total Dollar amount of real estate secured member commercial loans granted or purchased YTD | 475K2 | $15.5M |
| Dollar Amount of Member Commercial and Industrial loans granted or purchased YTD | 475L2 | $1.1M |
| Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured | 525 | 640.00% |
| Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured | 526 | 925.00% |
| Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties | 562A | 600.00% |
| Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties | 563A | 550.00% |
| Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit | 595B | 674.00% |
| Number of Commercial Small Business Administration Loans Outstanding | 691B1 | 19 |
| Outstanding Balance of Commercial Small Business Administration Loans | 691C1 | $2.8M |
| Guaranteed Portion of Commercial Small Business Administration Loans | 691C2 | $846K |
| Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Purchased | 691L8 | $1.4M |
| Outstanding Amount of Commercial Construction & Development Loans Purchased | 691L9 | $2.4M |
| Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Sold | 691N8 | $3.7M |
| Amount of All Other Secured Non-Real Estate Loans/Lines of Credit | 698C | $53.1M |
| Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties | 703A | $99.2M |
| Balance Outstanding of 1st Mtg Residential construction Loans - Excluding Commercial Purpose | 704A2 | $890K |
| Total Outstanding Balance of real estate secured member commercial loans | 718A3 | $50.3M |
| Total Outstanding Balance of real estate secured nonmember commercial loans | 718A4 | $3.8M |
| Amount of Commercial Loans/Lines of Credit Real Estate Secured | 718A5 | $54.1M |
| Amount of Outstanding commercial loans sold but retained servicing (including unfunded commitments) | 1062 | $1.2M |
| Number of Outstanding commercial loans sold but retained servicing (including unfunded commitments) | 1062A | 5 |
NCUA data file FS220M (27 items)
commercial and business lending (89%), real estate lending (26%), participation loans (23%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) | 811D | $11.4M |
| Total Unfunded Commitments for Credit Card Lines (Non-Commercial) | 812C | $15.6M |
| Total Unfunded Commitments for Commercial Loans | 814K | $5.5M |
| Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) | 815C | $2.9M |
| Total Other Unfunded Commitments (Non-Commercial) | 816B5 | $1.3M |
| Total Unfunded Commitments for Non-Commercial Loans | 816T | $50.6M |
| Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) | 822C | $19.3M |
| Total number of member commercial loans | 900A1 | $113 |
| Total number of nonmember commercial loans | 900B1 | $4 |
| Number of Member Unsecured Revolving Lines of Credit Granted to Members for Commercial Purposes | 900C6 | 3 |
| Number of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property | 900H2 | 26 |
| Number of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property | 900J2 | 30 |
| Number of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers | 900J3 | 1 |
| Total number of real estate secured member commercial loans | 900K2 | $68 |
| Total number of real estate secured nonmember commercial loans | 900K3 | $4 |
| Number of Commercial Loans/Lines of Credit Real Estate Secured | 900K4 | 72 |
| Number of Member Commercial and Industrial loans | 900L2 | 40 |
| Number of member commercial loans Secured by Multifamily Property | 900M | 6 |
| Number of purchased or participation interests in commercial loans Secured by Multifamily Property to nonmembers | 900M1 | 1 |
| Number of Commercial Loans/Lines of Credit Not Real Estate Secured | 900P | 45 |
| Total Number of Member and Nonmember commercial loans | 900T1 | $117 |
| Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties | 959A | 702 |
| Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties | 960A | 776 |
| Number of member commercial loans Secured by Farmland | 961A5 | 2 |
| Number of member commercial loans to finance agricultural production and other loans to farmers | 961A6 | 2 |
| Number of Agricultural Commercial Loans | 961A9 | 4 |
| Number of All Other Secured Non-Real Estate Loans/Lines of Credit | 963C | 2,993 |
NCUA data file FS220N (9 items)
investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Available-for-sale Debt Securities <=1 Year | AS0062 | $3.3M |
| Available-for-sale Debt Securities >1 and <=3 Years | AS0063 | $5.0M |
| Available-for-sale Debt Securities >3 and <=5 Years | AS0064 | $2.5M |
| Available-for-sale Debt Securities >5 and <= 10 Years | AS0065 | $2.2M |
| Available-for-sale Debt Securities > 10 Years | AS0066 | $594K |
| Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities | EQ0009 | -$406K |
| Total Liabilities | LI0069 | $424.5M |
| (CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses | NW0002 | $429K |
| Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility | NW0010 | $456.4M |
NCUA data file FS220P (42 items)
commercial and business lending (52%), delinquency (49%), real estate lending (23%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit | CH0007 | $73K |
| Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit | CH0008 | $9K |
| Loan Loss Information - YTD Charge Offs - All Other Secured Non-Real Estate Loans/Lines of Credit | CH0015 | $73K |
| Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit | CH0016 | $42K |
| Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. | CM0099 | $46.0M |
| Unsecured Credit Card Loans | DL0002 | $12K |
| All Other Unsecured Loans/Lines of Credit | DL0022 | $53K |
| All Other Unsecured Loans/Lines of Credit | DL0023 | $11K |
| All Other Unsecured Loans/Lines of Credit | DL0024 | $5K |
| All Other Unsecured Loans/Lines of Credit | DL0025 | $15K |
| All Other Unsecured Loans/Lines of Credit | DL0026 | $8K |
| All Other Unsecured Loans/Lines of Credit | DL0027 | $39K |
| All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans | DL0028 | $15 |
| New Vehicle Loans | DL0030 | $21K |
| Used Vehicle Loans | DL0037 | $157K |
| All Other Secured Non-Real Estate Loans/Lines of Credit | DL0050 | $366K |
| All Other Secured Non-Real Estate Loans/Lines of Credit | DL0051 | $67K |
| All Other Secured Non-Real Estate Loans/Lines of Credit | DL0052 | $173K |
| All Other Secured Non-Real Estate Loans/Lines of Credit | DL0053 | $63K |
| All Other Secured Non-Real Estate Loans/Lines of Credit | DL0055 | $302K |
| Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit | DL0056 | $15 |
| Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien | DL0057 | $165K |
| Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien | DL0064 | $121K |
| Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien | DL0065 | $5K |
| Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien | DL0067 | $58K |
| Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien | DL0069 | $63K |
| Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien | DL0070 | $3 |
| Dollar Amount of Reportable Delinquency - 30 - 59 Days Delinquent - Commercial Loans/Lines of Credit Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property | DL0106 | $876K |
| Dollar Amount of Reportable Delinquency - 90 - 179 Days Delinquent - Commercial Loans/Lines of Credit - Commercial and Industrial Loans | DL0122 | $117K |
| Total Dollar Amount of Reportable Delinquency - Commercial Loans/Lines of Credit - Commercial and Industrial Loans | DL0125 | $117K |
| Total Number of Reportable Delinquent Loans - Commercial Loans/Lines of Credit - Commercial and Industrial Loans | DL0126 | $1 |
| Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases | DL0141 | $272K |
| Amount of reportable delinquency included in Total Delinquent Loans and Leases (Account 041B), that relates to: Participation Loans Purchased under 701.22 | DL0142 | $172 |
| Amount of reportable delinquency included in Total Delinquent Loans and Leases (Account 041B), that relates to: Whole or Partial Loans Purchased under 701.23 | DL0144 | $7K |
| Amount of Consumer Loans in Non-Accrual Status | DL0145 | $805K |
| Amount of Commercial Loans in Non-Accrual Status | DL0146 | $117K |
| Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Number of Modified Loans | DL0148 | $2 |
| Borrower Experiencing Financial Difficulty Not in Compliance with Modified Loan Terms - Amount of Modified Loans | DL0149 | $83K |
| Number of Indirect Loans - New and Used Vehicle Loans | IN0001 | 5,135 |
| Amount of Indirect Loans - New and Used Vehicle Loans | IN0002 | $76.2M |
| Number of Indirect Loans - All Other Loans | IN0007 | 1,770 |
| Amount of Indirect Loans - All Other Loans | IN0008 | $33.2M |
NCUA data file FS220Q (43 items)
investment portfolio detail (69%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Borrowing Arrangements - Line of Credit Limit - Federal Home Loan Bank | LQ0040 | $63.8M |
| Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Federal Home Loan Bank | LQ0043 | $88.8M |
| Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - FRB | LQ0047 | $25.0M |
| Total Borrowings | LQ0860 | $18.1M |
| Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed | NV0015 | $1.4M |
| Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed | NV0016 | $1.3M |
| Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed | NV0019 | $12.7M |
| Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed | NV0020 | $12.2M |
| Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed | NV0023 | $14.0M |
| Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed | NV0024 | $13.6M |
| Total Amortized Cost Available-for-Sale Debt Securities | NV0083 | $14.0M |
| Total Fair Value Available-for-Sale Debt Securities | NV0084 | $13.6M |
| Investment Maturity Distribution - Time Deposits - <=1 Year | NV0111 | $4.4M |
| Investment Maturity Distribution - Time Deposits - >1-3 Years | NV0112 | $2.5M |
| Investment Maturity Distribution - Time Deposits - >3-5 Years | NV0113 | $250K |
| Investment Maturity Distribution - Time Deposits - >5-10 Years | NV0114 | $250K |
| Investment Maturity Distribution - Time Deposits - Total | NV0116 | $7.4M |
| Investment Maturity Distribution - Available-for-Sale Debt Securities - Total | NV0134 | $13.6M |
| Investment Maturity Distribution - Investments in Natural Person Credit Unions - <=1 Year | NV0141 | $843K |
| Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years | NV0145 | $233K |
| Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total | NV0146 | $1.1M |
| Investment Maturity Distribution - Total Investment Securities - <=1 Year | NV0153 | $8.6M |
| Investment Maturity Distribution - Total Investment Securities - >1-3 Years | NV0154 | $7.5M |
| Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years | NV0155 | $2.7M |
| Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years | NV0156 | $2.5M |
| Investment Maturity Distribution - Total Investment Securities - > 10 Years | NV0157 | $827K |
| Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) | NV0158 | $22.0M |
| Investment - Memoranda - Realized Gains (Losses) - Realized Gains (Losses) on all other investments | NV0161 | $28K |
| Total Gain (Loss) on Investments | NV0162 | $28K |
| Assets Used to Fund Employee Benefit or Deferred Compensation Plans - Collateral Assignment - Cash Surrender Value | NV0170 | $2.6M |
| RBC Total Equity | RB0001 | $32.3M |
| RBC Allowance for Credit Losses | RB0002 | $1.6M |
| RBC Total Additions | RB0005 | $1.6M |
| RBC Total Deductions | RB0009 | $4.4M |
| RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction | RB0010 | $29.4M |
| RBC Risk-Based Capital Numerator | RB0012 | $29.4M |
| Participation Loans: Participations Purchased - Outstanding Balance - Amount - Vehicle - Non-commercial | SL0036 | $33K |
| Participation Loans: Participations Sold - Retained Balance Outstanding - Vehicle-Non-commercial | SL0038 | $4.2M |
| Participation Loans: Participations Sold - Sold Year-To-Date - Amount - Vehicle - Non-commercial | SL0039 | $9.5M |
| Participation Loans: Participations Sold - Sold Year-To-Date - Amount - Commercial Loans excluding Construction & Development | SL0051 | $760K |
| Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - Commercial Construction & Development | SL0053 | $1.0M |
| Participation Loans: Participations Purchased - Outstanding Balance - Amount - All Other | SL0056 | $1K |
| Participation Loans: Participations Sold - Retained Balance Outstanding - All Other | SL0058 | $988K |
NCUA data file FS220R (54 items)
risk-based capital and leverage ratio (68%), real estate lending (28%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Borrowing Arrangements - Total Borrowing Capacity at Federal Reserve Bank | LQ0061 | $18.2M |
| RBC Schedule Total Investments | RB0039 | $14.6M |
| RBC Schedule Total Consumer Loans | RB0060 | $184.8M |
| RBC Schedule Total Commercial Loans | RB0068 | $60.2M |
| RBC Adjustments to Loans Held for Sale | RB0075 | -$898K |
| RBC Total for Risk Weighting Allowance for Credit Losses (Loans) | RB0077 | $1.5M |
| RBC Allowance for Credit Losses (Loans) 0% Weight | RB0078 | $1.5M |
| RBC Schedule Total Loans | RB0079 | $381.2M |
| RBC Adjustments to Total Loans | RB0080 | -$898K |
| RBC Total for Risk Weighting Total Loans | RB0081 | -$1.5M |
| RBC Total Loans 0% Weight | RB0082 | -$1.5M |
| RBC Schedule Total Other Assets | RB0088 | $45.1M |
| RBC Total for Risk Weighting Other Assets | RB0090 | $4.4M |
| RBC Other Assets 0% Weight | RB0091 | $4.4M |
| RBC Total from Schedule On-Balance Sheet Assets | RB0099 | $456.4M |
| RBC Total Adjustments to Schedule On-Balance Sheet Assets | RB0100 | $2.9M |
| RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight | RB0101 | $2.9M |
| RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts | RB0170 | $456.4M |
| RBC Allowance for Credit Losses (Loans) | RB0177 | $1.5M |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years | RL0001 | 167.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years | RL0002 | 34,251,800.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years | RL0003 | 16,037,136.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less | RL0004 | 406.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less | RL0005 | 28,573,607.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate 15 Years or Less | RL0006 | 2,863,124.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid >5 Years | RL0007 | $15 |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years | RL0008 | $4.1M |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid >5 Years | RL0009 | $1.5M |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid 5 Years or Less | RL0010 | $109 |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid 5 Years or Less | RL0011 | $32.1M |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Balloon/Hybrid 5 Years or Less | RL0012 | $4.1M |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate | RL0013 | 5.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate | RL0014 | 129,914.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total | RL0016 | $99.2M |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total | RL0017 | $24.4M |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate | RL0018 | 538.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate | RL0019 | 26,679,175.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate | RL0020 | 4,311,550.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate | RL0027 | 238.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate | RL0028 | 10,949,261.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate | RL0029 | 3,823,500.00% |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total | RL0030 | $37.6M |
| 1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total | RL0031 | $8.1M |
| Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding | RL0046 | $1K |
| Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding | RL0047 | $136.8M |
| Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD | RL0048 | $32.6M |
| Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years | RL0050 | $35.4M |
| Total Shares | SH0013 | $399.9M |
| Total Shares and Deposits | SH0018 | $399.9M |
| Number of Outstanding Loans Purchased from Other Sources | SL0020 | 392 |
| Amount of Outstanding Loans Purchased from Other Sources | SL0021 | $6.9M |
| Number of Loans Sold, Year-to-date | SL0022 | 36 |
| Amount of Loans Sold, Year-to-date | SL0023 | $10.4M |
| Number of First Mortgage loans sold on the secondary market, Year-to-date | SL0024 | 36 |
NCUA data file FS220S (5 items)
member services and products offered (29%), HMDA and entity identifiers (24%)
| Line item | Account | Q2 2026 |
|---|---|---|
| Does the CU use financial technology companies to provide member services? | PP0037 | $1 |
| Auto Lending | PP0038 | $1 |
| Unsecured personal loans | PP0041 | $1 |
| Located in Metropolitan Statistical Area (MSA) | PR0001 | $1 |
| home purchase loan or refinanced a home purchase loan | PR0002 | $1 |
Saint Cloud Financial Credit Union call reports on file
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Saint Cloud Financial Credit Union call report?
The Saint Cloud Financial Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.
What call report does Saint Cloud Financial Credit Union file?
Saint Cloud Financial Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.
What is the Saint Cloud Financial Credit Union call report number?
A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Saint Cloud Financial Credit Union is 68697.
How often does Saint Cloud Financial Credit Union file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31.
Saint Cloud Financial Credit Union financials and ratios →
New to the 5300? What the NCUA 5300 call report is.