# ST. CLOUD
Saint Cloud, MN · NCUA charter 24584 · asset band $100-200M · latest filing 2018-09 · stopped filing after 2018-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/st-cloud-24584

Who the members are: federal charter, community charter, organized 1934. 19,400 members of 100,000 potential (19.4% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 64.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $175.3M |
| Members | 19,400 (0.6% YoY) |
| Full-time staff | 53 |
| Net worth | $15.8M |
| Net worth ratio | 9.0% (p21 of band) |
| ROA (annualized) | 0.75% (p55 of band) |
| Total delinquency | 0.69% (p57 of band) |
| Net charge-offs (annualized) | 0.23% (p34 of band) |
| Loans / shares | 84% (p67 of band) |
| Cash / assets | 2.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.78% (p20 of band) |
| Operating expense / assets | 4.07% (p65 of band) |
| Vehicles % of loans | 44% (p63 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 48% |
| Third-party paper % of net worth | 175% (p78 of band) |
| Vehicle delinquency | 0.75% (p67 of band) |
| Vehicle NCO | 0.18% (p22 of band) |
| Repossessed % of vehicle book | 0.00% (p28 of band) |
| Real estate % of loans | 40% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 7% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 13% |
| Average share balance | $4,479 |
| Participations bought / yr | $3.3M |
| Participations sold / yr | $417,391 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 64% |
| Loans granted per 100 members, annualized | 77% |
| Average loan balance | $10,638 |
| Loans granted, annualized | $114.5M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 3 | thin capital |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | net worth falling |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | net worth falling |

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

- 2026-04-13 [Crypto Is Getting Popular in St. Cloud. One of the City’s Credit Unions Noticed. - Twin Cities Business](https://news.google.com/rss/articles/CBMiekFVX3lxTE0xZHU0aDVfY1AyRTBaSWhYMHowUHgxVkItdURUUlNYMDh2dkthd2ZmQUh6TzNvQmkySkN1WmYxejhGZWFad3MtNHNuRXFmVXFmU3NwS0pKS0xVTWtJejZPTkhaZ2poMnBXc1l4eENna0RESWc4dFFNYTFR?oc=5) · Twin Cities Business
- 2026-08-17 [Biz Buzz: St. G’s Bodega moving into old hardware store in St. Cloud's East End - St. Cloud Live](https://news.google.com/rss/articles/CBMiswFBVV95cUxQZUFjcTZ6bFdiRDc3cVVSSEtJTU1vM3NWV2pQbkpQOWlqMUptXzd6LWZ0dDFPS3kxSGVfTE1EUzhhYTVKd0RGSHpSOXJvbHJXWEN4N2RUQ0xnbF9vTmdGelY1aW9lckd5M0xFWUEtZWtYdWEycUZPTS1ySDFoeDdjemotQXQ5X0ZxcU4wRWdTVnNDcjJINFhxeEh1Nk9HdWhWLXhZZHBILWVoLTJyYTk3bkV4WQ?oc=5) · St. Cloud Live
- 2026-07-08 [Four Central Minnesota Residents Named Finalists for 2026 Changemakers Award - KNSI](https://news.google.com/rss/articles/CBMirwFBVV95cUxQNkQ1ZFRjd0VQcVNxUnlucXdQc3UwSEIybFRoR2ZrZW1jQXpBSFV3V2JVQThtUE5Da0o2RzhKZGwyS2tzRjlHNDd1WjAyTlhQQjNwZmxmMVV0X25lc0tZSUFGa3dscEJrNU9iRFN3emhzMEJUcjZ4TmhGYzJSN1lWX243a3BxRm95a3QxZFRiVHVtY0t2ZVZjTl9TMVluTmNuTkpsUnh6YWpRRDJWQjJR?oc=5) · KNSI
- 2026-05-20 [Minnesota Law Opens Crypto Custody to Banks, Credit Unions — One Credit Union Already Has a Head Start - Bitcoin Magazine](https://news.google.com/rss/articles/CBMidkFVX3lxTE5TNmRnUEFMenpTZmMyM0pKVWh3cEtVOGdCT25NVmFYNERZdlR1TDNtQmxBTDRmaXdkbDNDdl9XYUVaQ2xHX3pDc0JBYzM4NUE0SGV4NHpobi0yekRBWGk4dzdrSUNHNHBPODNGYmo2Z0xpYllWMmc?oc=5) · Bitcoin Magazine
- 2026-07-09 [SCFCU announces finalists for annual Changemakers Awards - KVSC 88.1 FM](https://news.google.com/rss/articles/CBMihAFBVV95cUxPLVV0bkliOHlhZXp6eVZ6ZlFOSlRzRzU0bm9idVFBMDJ6dW1lOG5VaWwtd1loWkV3MkVmUmdIVWRMOHZSekxnR0dTQmdnM2N6N0lyVm5FcXFmV0RCU0FVYVpDbnVYWlJUel9iRnJpZDlRWW01MUlabDZ4VTFXUko3elFNVEY?oc=5) · KVSC 88.1 FM
- 2025-11-06 [2025 CFO of the Year: Franco Cusipag, St. Cloud Financial Credit Union - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQWUhaQVoxWlNweUh2NFRiY1pjWWIyRXVGeFc0WDJXU0h4eHJtTEpmejRFUUR5dGhrS1JPeFhKcGZaTTRURk1HOEFMVTlUY291UEdSdUVJSmtqb0l2UzhjSTBjczhFLUpTaDVJNVJjbjJINm5YOWhmUXdDQlhBUlVzMTJrRWxIcUdzZDdaQTY4T2NnYlZrd01qQ25ZeFBhSGpSMTk3RUU2SQ?oc=5) · The Business Journals
- 2025-09-17 [Minnesota credit union is launching its own stablecoin - American Banker](https://news.google.com/rss/articles/CBMioAFBVV95cUxPX0RTR0RkZHlxZHFaZmUxeXVfa29ySUhIRVZWUmJIUE52dmxwRFd2RHlVR0p2WEREakQ4VTFYUnBJUktNZTMwaFFVQ0d4YUJBVkpaSEQ4SXBGSlRYRjNMeDJSbmlBbXlZQzRVSFZRclhiX1BjZWZJNnZEbWc5blE2RDJWb0w1VHgyQ0dHck9raFNfMS1DTjZCUENZa3FfZFZp?oc=5) · American Banker
- 2026-01-28 [Active Veterans From St. Cloud Ready For A Special Weekend In Tampa Bay - WJON](https://news.google.com/rss/articles/CBMiW0FVX3lxTE9QM2hXV0JBWDc4Q3ZtSjZFOXJRUUZ2WXZjNWwycUJSYU11UHR5MWVxRl8yNTFnWEtxY3VUQXpwTTlkRllEVzAyLXdvNWFEOUlIOVFfUjN0WjZmWUE?oc=5) · WJON

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24584 (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/8.json (key "24584", 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=24584
- 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