Institution profile
ST. CLOUD FINANCIAL
Identity verified through NCUA; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
NCUA identity
- NCUA charter number
- 68697
- Credit union type
- Federally insured state-chartered credit union
- Federal insurance
- Federally insured through the NCUA / National Credit Union Share Insurance Fund
- Low-income designation
- Yes
NCUA-reported main office
Main office is the location classification reported in the NCUA source and is not presented here as a legal-headquarters determination.
- Address line 1
- 1716 Pine Cone Rd S
- City
- Sartell
- State
- MN
- ZIP
- 56377
- County
- Stearns
- Country
- United States
- Phone
- 3202522634
- Hours
- varies
NCUA quarterly financial summary
Data period: March 31, 2026
- Members
- 28,213
- Total assets
- $439,744,913
- Total loans — all reported loan categories
- $347,377,579
- Shares and deposits
- $392,212,860
- Return on average assets
- 0.56%
- Net worth ratio
- 7.44%
- Loan-to-share ratio
- 88.57%
NCUA total-loan balances are institution-wide and are not presented as mortgage volume.
Four-quarter growth metrics
- Shares/deposits four-quarter growth
- 8.84%
- Loans four-quarter growth
- 7.47%
- Assets four-quarter growth
- 12.44%
- Members four-quarter growth
- 7.38%
- Net-worth four-quarter growth
- 18.2%
Location characteristics
Source-reported location characteristics. These fields are not recommendations or quality indicators.
- Member services
- Yes
- ATM
- Yes
- Drive-thru
- Yes
- Shared service-center network
- No
NCUA source dates
- NCUA call-report date
- March 31, 2026
- NCUA locations data date
- March 31, 2026
- NCUA locations observed
- August 7, 2026
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- Federally insured state-chartered credit union