ST. CLOUD FINANCIAL
Charter #68697 · Sartell, MN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 28,213 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 7.46% sits at the 2nd percentile of structural peers — worth a closer look.
- Net interest margin of 3.10% sits at the 8th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.17% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Loan growth YoY, the asset-size band puts this credit union at the 84th percentile but its structural peers at the 64th — a 20-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. CLOUD FINANCIAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $439.74M | 95th pct | 80th pct |
| Members | 28,213 | 92th pct | 80th pct |
| Net worth ratio | 7.46% | 1th pct | 2th pct |
| Return on average assets | 0.56% | 39th pct | 41th pct |
| Net interest margin | 3.10% | 18th pct | 8th pct |
| Cost of funds | 1.85% | 82th pct | 70th pct |
| Loan-to-share | 88.57% | 87th pct | 67th pct |
| Delinquency 60+ days | 0.41% | 32th pct | 31th pct |
| Net charge-off ratio | 0.17% | 27th pct | 23th pct |
| Loan growth YoY | 4.48% | 84th pct | 64th pct |
| Share growth YoY | 7.94% | 92th pct | 80th pct |
| Efficiency ratio | 85.31% | 73th pct | 66th pct |
structural peer set hash: 0a0b7d5a93577360cb56989084257ed6… (reproducible)
Closest structural peers
This is the free public view
Claim ST. CLOUD FINANCIAL
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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.