Sartell, MN · State Credit Union · Chartered in MN
Who can join
State government employees (special charter)
Members
28,213
Net Worth Ratio
7.46%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$439.7M
Total Shares
$392.2M
Total Loans
$347.4M
Net Income
$604K
Net Worth Ratio
7.46%
≥7% = Well Capitalized
Members
28,213
Return on Assets
0.14%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.21%
$717K
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 383 | 299 | 35 | 78.1% | 9.1% |
| 2022 | 416 | 342 | 22 | 82.2% | 5.3% |
| 2021 | 560 | 536 | 8 | 95.7% | 1.4% |
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/st-cloud-financial" target="_blank" rel="noopener">View ST. CLOUD FINANCIAL on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 88.6%· healthy range 60–80%