ST. CLOUD FINANCIAL Credit Union Profile

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ST. CLOUD FINANCIAL

Charter #68697 | NCUA Region 3 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (320) 252-2634

Fax: (320) 258-4520

Founding Date: N/A

Website: https://www.stcloudfcu.coop

Personnel & Operations

President: Schreifels, Randy

Manager: Meyer, Jed

FT Employees: 75

PT Employees: 5

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 5

Hours: varies

Credit Union Profile Summary

ST. CLOUD FINANCIAL is a FISCU Credit Union. With a total of 27,165 members [1], this institution manages approximately $407,319,700 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 7.5% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 3.24% [1].

Financial Snapshot

Total Assets [1]
$407,319,700

Total economic resources.

Total Loans [1]
$326,258,915

Total value of outstanding loans.

Total Deposits [1]
$363,254,813

Total funds deposited by members.

Members [1]
27,165

Number of active members.

Performance Ratios

Net Worth Ratio [1]
7.5%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.51%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
89.82%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
9.71%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
3.24%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
8.41%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1716 Pine Cone Rd S

Sartell, MN, 56377

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 5 branches reported by ST. CLOUD FINANCIAL (Charter #68697).

Main Office

St Cloud Financial Credit Union Main Office

Type: Corporate Office

3030 1st St S

Saint Cloud, MN 56301

Phone: (320) 252-2634

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Albertville

St Cloud Financial Credit Union - Albertville

Type: Branch Office

5600 La Centre Ave Ste 100

Albertville, MN 55301-4018

Phone: (763) 777-9360

Services: Member Services, ATM, Drive-Thru

Open in Directions

Becker

St Cloud Financial Credit Union - Becker

Type: Branch Office

14267 Bank St

Becker, MN 55308-4630

Phone: (763) 262-9888

Services: Member Services, ATM, Drive-Thru

Open in Directions

Sartell

St Cloud Financial Credit Union - Sartell

Type: Branch Office

1716 Pine Cone Rd S

Sartell, MN 56377

Phone: (320) 252-2634

Services: Member Services, ATM, Drive-Thru

Open in Directions

Sauk Rapids

St Cloud Financial Credit Union-Sauk Rapids

Type: Branch Office

205 2nd Ave N

Sauk Rapids, MN 56379

Phone: (320) 252-2634

Services: Member Services, ATM, Drive-Thru

Open in Directions