ST. PAUL
Charter #24358 · Saint Paul, MN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.30% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 1.52% sits at the 75th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.17% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.29% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 42nd percentile but its structural peers at the 20th — a 22-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ST. PAUL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $261.58M | 66th pct | 61th pct |
| Members | 15,143 | 60th pct | 38th pct |
| Net worth ratio | 12.30% | 61th pct | 59th pct |
| Return on average assets | 0.62% | 43th pct | 48th pct |
| Net interest margin | 3.30% | 30th pct | 8th pct |
| Cost of funds | 1.52% | 67th pct | 75th pct |
| Loan-to-share | 85.55% | 80th pct | 75th pct |
| Delinquency 60+ days | 0.17% | 11th pct | 10th pct |
| Net charge-off ratio | 0.29% | 42th pct | 20th pct |
| Loan growth YoY | 4.71% | 85th pct | 79th pct |
| Share growth YoY | 0.77% | 15th pct | 10th pct |
| Efficiency ratio | 80.21% | 56th pct | 54th pct |
structural peer set hash: 733fe594bab73d60cfaaa9df2077b437… (reproducible)
Closest structural peers
This is the free public view
Claim ST. PAUL
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.