Credit Union Safety Analysis
Is Saint Cloud Financial Credit Union Safe? Saint Cloud, Minnesota
Based on its Q2 2026 NCUA 5300 call report, Saint Cloud Financial Credit Union has a net worth ratio of 7.22%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.31%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Saint Cloud Financial Credit Union's net worth ratio is 7.22%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 7.22%
- Delinquency ratio (60+ days) (Q2 2026): 0.31%
- Return on assets (Q2 2026): 0.58%
- Loan-to-share ratio (Q2 2026): 95.49%
Saint Cloud Financial Credit Union (NCUA charter 68697, established 1930) reported $456.4M in assets and 29,001 members for Q2 2026 from Saint Cloud, Minnesota. It ranks 13 of 79 credit unions in Minnesota by total assets. Total assets grew 12.0% from $407.3M on June 30, 2025. It has 1,836 more members than on June 30, 2025 (+6.8%). Its net worth ratio was down 0.28 percentage points from 7.50% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $136.8M of $381.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.31% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 7.46% for Q1 2026; 7.50% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.41% for Q1 2026; 0.50% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.55% for Q1 2026; 2.44% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 88.57% for Q1 2026; 89.82% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $136.8M
- Used vehicle loans: $81.8M
- Commercial loans: $60.2M
- Other secured non-real estate loans and lines of credit: $53.1M
- New vehicle loans: $39.0M
- Unsecured credit card loans: $4.8M
- Other unsecured loans and lines of credit: $4.4M
- Non-federally guaranteed student loans: $1.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $456.4M | 7.22% | 0.31% | 0.58% | 95.49% |
| March 31, 2026 | $439.7M | 7.46% | 0.41% | 0.55% | 88.57% |
| December 31, 2025 | $430.0M | 7.57% | 0.37% | 1.28% | 88.79% |
| September 30, 2025 | $408.9M | 7.55% | 0.44% | 0.55% | 91.50% |
| June 30, 2025 | $407.3M | 7.50% | 0.50% | 2.44% | 89.82% |
| March 31, 2025 | $391.1M | 7.22% | 0.55% | 0.48% | 89.70% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Saint Cloud Financial Credit Union profile
Regulator records: NCUA credit union profile (charter 68697) · FFIEC NIC profile (RSSD 142599)
Frequently asked questions
Is Saint Cloud Financial Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Saint Cloud Financial Credit Union's net worth ratio is 7.22%, above the 7% NCUA threshold for well capitalized.
Is Saint Cloud Financial Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Saint Cloud Financial Credit Union is a federally insured credit union (NCUA charter 68697): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Saint Cloud Financial Credit Union's key safety ratios?
For Q2 2026, Saint Cloud Financial Credit Union reports net worth 7.22%, delinquency 0.31%, ROA 0.58%, loan-to-share 95.49%.
What happens to my money if Saint Cloud Financial Credit Union fails?
For Q2 2026, Saint Cloud Financial Credit Union held $399.9M in shares and deposits for 29,001 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.