# ST. PAUL
Saint Paul, MN · NCUA charter 24358 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/st-paul-24358

Who the members are: federal charter, multiple common bond, organized 1953, low-income designated. 15,143 members of 772,693 potential (2.0% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 66.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $261.6M |
| Members | 15,143 (2.0% YoY) |
| Full-time staff | 31 |
| Net worth | $32.2M |
| Net worth ratio | 12.3% (p65 of band) |
| ROA (annualized) | 0.62% (p44 of band) |
| Total delinquency | 0.17% (p10 of band) |
| Net charge-offs (annualized) | 0.29% (p40 of band) |
| Loans / shares | 86% (p79 of band) |
| Cash / assets | 15.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.29% (p32 of band) |
| Operating expense / assets | 3.26% (p32 of band) |
| Vehicles % of loans | 49% (p79 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.03% (p4 of band) |
| Vehicle NCO | 0.12% (p14 of band) |
| Repossessed % of vehicle book | 0.01% (p53 of band) |
| Real estate % of loans | 35% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 2% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 21% |
| Average share balance | $9,005 |
| Participations bought / yr | $403,208 |
| Participations sold / yr | $474,660 |
| Participations outstanding | $2.5M |
| Loans outstanding per 100 members | 66% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $19,577 |
| Loans granted, annualized | $91.1M |

## Participation posture (from the same filings)

Bought $403,208 and sold $474,660 in the latest annualized quarter; $2.5M outstanding purchased (7.8% of net worth), $88,522 sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 0.7% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 0 |  | delinquency rising |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 1 | loans>95% of shares | delinquency rising |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 1 |  | loans>95% of shares |
| 2019-12 | 1 | net worth falling | delinquency rising |
| 2020-03 | 2 | margin squeeze |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 3 | delinquency rising |  |
| 2021-09 | 2 |  | delinquency rising |
| 2021-12 | 2 | delinquency rising | net worth falling |
| 2022-03 | 0 |  | margin squeeze, delinquency rising |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 1 | assets shrinking | delinquency rising |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 3 | leaning on borrowings |  |
| 2023-09 | 4 | net worth falling, loans>95% of shares | assets shrinking |
| 2023-12 | 3 |  | net worth falling |
| 2024-03 | 2 |  | loans>95% of shares |
| 2024-06 | 0 |  | delinquency rising, leaning on borrowings |
| 2024-09 | 1 | assets shrinking |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | assets shrinking |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-22 [Black-owned credit union opens in Midtown Global Market - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNSU9vQlNxUzN2WnowYks5eUwwQlRfX0xXemtkZTQ2UnJnT3kxN09hLVNPUnVSMDlOdjd1UzZxSHdVRzZ0SkJIMzN0YVY4eTdZZHRyby1LejI0U1JfMWdGakxwSlNtZ05ZRzEwTkJZZlhYdEx4SFBBcUJrTFZUc1JucTlpZUJnSTRGaWlBQTF1TDdMRWswZjlYbjFDOEMtWWRNX1UtZQ?oc=5) · The Business Journals
- 2026-02-03 [University of Northwestern renames business school after Blaze Credit Union CEO - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxONWp6MDJtZGRjQlRNbmtPY21ySlNZSEktSVRITVJEWUhmWWxjUlNUeHdBSUEzUVZaQ2VyZ0l1OHFCZWxoclhaa0NrOWU4YUlpZlhLSWZnVHVQQ2ZuZmdsOURkWDlCaC1wcDdoV3ZOajFueWxDLV9zd2RDcm9sbGxBVmdRa3lsdTRYZER2QXZsM3JwdWo3Z1lPWURGZzhOS0NORHdCeWxsTnc?oc=5) · The Business Journals
- 2025-08-12 [St. Paul Federal Credit Union appoints Chris Petersen as new chief executive officer - CUInsight](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNU0ZCbXhLQzJQbjlFTmdJZWxEVDNPa3lWQk81b3hFVDgzSmtEUFRhakxVbDhndnhZLUpHTnFDdzB2U3ZDSF9IdEo5WTU5OWFRa29qSGFGT19mdk5lTlFPT0hKVDNmSGNhOERsTWV2MEgyeXJWdjE3VmViYmZYSmd1ejJQQ2d2eXdEQmRLek1KWUJtYlFjQ3NtcGptRWJqSU0zbHJLTTdtRHVKbmlDckxJQ1p1X1pLNHN1MEg0N1dvUFlBQQ?oc=5) · CUInsight
- 2025-04-15 [SPONSORED: Bank Smarter with St. Paul Federal Credit Union — Trusted by Thousands for Over 70 Years - kare11.com](https://news.google.com/rss/articles/CBMiuAJBVV95cUxOeEJVbEotemRoZDBzdy1vaXYzdVVJcGVUNXFRSWh3UEM2LUw0TkZWbGhtdGRIamZPc3Z3NE5lNU01TjNveTZuWXZMNWRzVDVOVEloRWQwNzA4Zi1pcGI3MTM2UmJyc2xDWG50blZGa3hKbDcwdTh3MWVlX2c2ZEFTOW54TGdFbGRQYktpeDZrbzFtN0VEWmNtbS0tWThYQTd5cXhTbVpZNDIxaXItRHBiWmFzaHlTenpOeXhvdkJkUXJsVUNOYW40NERueE13M2l5cm1sZkZxSzNQQmZnX2s0UVExLVRLUHU1UlpmWV9md1JkcEtUSFJXUEszVlhvNnVxQkZ3LW9NMVI0YWpXejBSdnZZR09UaVFPQ3ZBM0lqSGotYzdvSU1kSlcyWkRhYnNUWEd5R0s1TUI?oc=5) · kare11.com
- 2025-10-19 [Business People: City & County Credit Union announces top executive transition - Pioneer Press](https://news.google.com/rss/articles/CBMitAFBVV95cUxOVEo3ZVl4TUdFNVI5SUQtUjBxU0NZeWR3S1V2MVJpUld0dkFBWkRsYjVKMWxQSzY0eUdnYWM1T01tMWNmNjVCZGlFejBUTVBuYTRzS2Q5MlZmOU9USThvOUdqbk1lOTRJZzY3WHI2NVFfRHFUaGpuR2xQeGIyd2NVeEV0V3VIQnoyV2lfMkYyamE5Zi1GWU1zUzJaX0NFbHI4VURuQWxKM200QUw2ZnNkWW15SUE?oc=5) · Pioneer Press
- 2025-10-21 [Merger Windfall: Wings CEO To Collect $7 Million As Ent Deal Advances - cutoday.info](https://news.google.com/rss/articles/CBMipwFBVV95cUxNc2NvcF84a0gzOTAwN2cya29feHUzRkxvSmZtN1pWN2FOcENYMmtqb2gyMkM5dzl3M0JxUHB4UG9WdkwwTUNxTkxJVGt3Wk9fMWJPYVlEcnZ0OEozMlA0cVZiTmJTUTEzejVQbFBzZmtKdWo5TzJSWHRhY19oeENJNmpNOGk4T25RcGVqckE2a1ZZYXltblRNUTFqcVRtOFpYQXlnc3N1QQ?oc=5) · cutoday.info
- 2026-08-25 [Magnifi Financial Ranked No. 1 for Commercial Lending Growth in the Twin Cities - Newswire.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQVERhZ05lX3hqVGJjLXEtbjBTUTFpMGFNeVVWRTMwY1BuSDFPQXg5N3dkWUlhc2tCRFJZUk4ydkVRUnRsdUd1VlNhczZOVnlEWG94U1FPTDNtVnlacmJaOWQ1Qm1JNVV0Q25kbUp4a0QyaHJvbXp2VW8yQndYQjl0SlNEeWJVeERGU3JiM202U1lIdzRvX1JkbkJLN1B2WGVRNU90T0RGRHk?oc=5) · Newswire.com
- 2026-01-15 [Veridian Credit Union proposes third Twin Cities branch in Maple Grove shopping district - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxPT3N2Y2NNX1AzZ21FUGFyVzVBUG5kS0Uwa3VrSWRPY3doNEx6OV83REtHVkstUXgyWjF3SXFSZDRpQ0JEZVEtX0syQTE2c0lhTFZGTXludTJxYi1QcFoyZG15aUlwRUw4LXZZaGwwLXlIR0JxQ3V4YmVtbFBNbjVHWnIwa1BmcDhULU5XRTFYcWJ3dVRUNzVKdzRxMUlFTzlvSkFtVXFabk43QVBDN2c?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24358 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/38.json (key "24358", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24358
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide