St. Cloud Financial
Sartell, MN · Charter 68697 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$456.4MAssets
$381.9MLoans
$399.9MShares
$32.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 72% of credit unions under $1B in assets (rank 480 of 1682).
- Widest gap: equity / assets trails 99% of credit unions under $1B in assets (rank 1664 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.55%
Rank 1,065 of 1,683
Net Interest Margin
2.99%
Rank 1,460 of 1,683
Efficiency Ratio
83.97%
Rank 1,135 of 1,682
Equity / Assets
7.07%
Rank 1,664 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.55% | 0.35% | 0.74% | 1.18% | Beats 37% | 1,065 / 1,683 | |
| Return on Equity | 7.85% | 2.67% | 5.89% | 8.74% | Beats 68% | 534 / 1,681 | |
| Net Interest Margin | 2.99% | 3.31% | 3.82% | 4.32% | Beats 13% | 1,460 / 1,683 | |
| Efficiency Ratio | 83.97% | 68.91% | 78.20% | 86.93% | Beats 33% | 1,135 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.31% | 0.26% | 0.65% | 1.29% | Beats 72% | 480 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 7.07% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,664 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 7.07% | 10.44% | 12.89% | 16.53% | Beats 1% | 1,664 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 95.49% | 52.61% | 69.38% | 83.50% | 94th pctl | 106 / 1,683 | |
| Loans / Assets | 83.68% | 44.71% | 59.18% | 70.72% | 96th pctl | 65 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |