Saint Paul Federal Credit Union Saint Paul, Minnesota
Saint Paul Federal Credit Union is a federal credit union headquartered in Saint Paul, MN, established in 1953 (NCUA charter 24358), and it is regulated and insured by the NCUA. At Q2 2026 it reported 15,166 members and total assets of $252.1M (down 2.0% from Q2 2025), the 24th largest of 79 credit unions headquartered in Minnesota. Its net worth ratio was 12.93% at Q2 2026, in the well capitalized band.
Also written as Saint Paul FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24358
- Headquarters
- Saint Paul, MN
- Established
- 1953
- Total assets, Q2 2026
- $252.1M
- Assets vs Q2 2025
- -2.0%
- Members, Q2 2026
- 15,166
- Net worth ratio, Q2 2026
- 12.93%
- Latest call report
- Q2 2026, NCUA 5300 · Saint Paul Federal Credit Union call report
- Asset rank in state
- 24th of 79 in Minnesota
- Routing number
- 296076013
- Branches
- 3
It has 302 more members than on June 30, 2025 (+2.0%). Its net worth ratio was up 0.84 percentage points from 12.09% on June 30, 2025. Used vehicle loans are its largest loan category, $70.8M of $199.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.20% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 12.93% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Minnesota
Credit unions merged into Saint Paul Federal Credit Union
Frequently asked about Saint Paul Federal Credit Union
How big is Saint Paul Federal Credit Union?
At Q2 2026 it reported total assets of $252.1M and 15,166 members.
Where is Saint Paul Federal Credit Union headquartered?
It is headquartered in Saint Paul, MN, United States.
When was Saint Paul Federal Credit Union founded?
It was established in 1953, per NCUA records.
Is Saint Paul Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24358): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Saint Paul Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Saint Paul Federal Credit Union well capitalized?
Its net worth ratio was 12.93% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Saint Paul Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.20% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Saint Paul Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 92.66% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Saint Paul, MN 55106
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1953
- NCUA Charter #
- 24358
- RSSD ID
- 176491
- Members
- 15,166
- Potential members
- 772,693
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 12.93% | 11.43% | 67th above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.68% | 0.81% | 41st below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 5.23% | 7.02% | 36th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.45% | 3.70% | 34th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 79.96% | 76.55% | 38th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.40% | 1.24% | 37th below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.20% | 0.68% | 90th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.85% | 4.92% | 45th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 92.66% | 75.66% | 88th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$252.1M total assets against $257.2M; $215.2M total shares and deposits against $226.4M; $199.4M total loans against $184.7M.
$32.6M net worth against $31.1M.
12.93% net worth ratio against 12.09%.
92.66% loan-to-share ratio against 81.60%.
0.20% delinquency ratio against 0.07%.
0.68% return on assets against 0.75%; 5.23% return on equity against 6.19%.
3.45% net interest margin against 3.14%.
15,166 members against 14,864.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.93% | 0.68% | 0.20% | 92.66% |
| March 31, 2026 | 12.30% | 0.62% | 0.17% | 85.55% |
| December 31, 2025 | 12.38% | 0.33% | 0.02% | 86.79% |
| September 30, 2025 | 12.29% | 1.10% | 0.11% | 82.33% |
| June 30, 2025 | 12.09% | 0.75% | 0.07% | 81.60% |
| March 31, 2025 | 11.90% | 0.69% | 0.04% | 81.55% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.