# ST. CLOUD FINANCIAL
Sartell, MN · NCUA charter 68697 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/st-cloud-financial-68697

Who the members are: state charter, organized 1934, low-income designated. 28,213 members of 553,083 potential (5.1% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $439.7M |
| Members | 28,213 (7.4% YoY) |
| Full-time staff | 80 |
| Net worth | $32.7M |
| Net worth ratio | 7.4% (p1 of band) |
| ROA (annualized) | 0.55% (p39 of band) |
| Total delinquency | 0.41% (p30 of band) |
| Net charge-offs (annualized) | 0.17% (p24 of band) |
| Loans / shares | 89% (p86 of band) |
| Cash / assets | 7.0% |
| Borrowings / assets | 2.27% |
| Net interest margin | 3.06% (p19 of band) |
| Operating expense / assets | 3.86% (p57 of band) |
| Vehicles % of loans | 32% (p49 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 58% |
| Third-party paper % of net worth | 292% (p93 of band) |
| Vehicle delinquency | 0.61% (p53 of band) |
| Vehicle NCO | 0.40% (p36 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 37% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 143% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 33% |
| Average share balance | $6,987 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $3.1M |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $21,908 |
| Loans granted, annualized | $156.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $3.1M outstanding purchased (9.4% of net worth), $7.3M sold and retained. Sold in 6 and bought in 3 of the last 8 quarters. Shares 8.8% year over year.

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2018-12 | 2 | thin capital, 3rd-party paper>100% NW |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | thin capital |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | thin capital |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | net worth falling |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 |  | net worth falling |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 4 | net worth falling, loans>95% of shares |  |
| 2024-09 | 2 |  | net worth falling, loans>95% of shares |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | net worth falling |  |
| 2025-06 | 2 |  | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | 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
- 2026-09-03 [New Sartell boys soccer coach Caleb Forberg joins the St. Cloud Financial Credit Union Sports Spotlight - St. Cloud Live](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPWWlhMU9Mc0xmSGtUYms1QlRUdEhTMkU0ZzBnaXJLZjFzdF9jelFnanlCeXZyUmtWRVR4S0VaeV9pRjJOMHBNaHdSMkxVZlBtUEx1aEZGN0hENTRBb0hFYk43NnFTbGhBbkFHTndOTEtXZ2ltbDdsYXlUMzU4M0VxNTNJOVBwTDdSOVJndFZCOHBwRi1xN2wyZnFzQ0lJR1IzRnRGVnJXb1I3U3lhQUZ6SzZTQ3BsUWUwdnBzcnRFVGlmZUVaRF9VdTluYUdCQjBwYzc2UzVzSVhEQQ?oc=5) · St. Cloud Live
- 2026-07-23 [SCFCU, St. Cloud Rox, and Advantage 1 Insurance partner together to raise money for veterans - KVSC 88.1 FM](https://news.google.com/rss/articles/CBMisAFBVV95cUxOYUgyWC1tenRzMFNtSDBRUjc4ZzUzVUdUVmhoTHZHM0VLYzZzTEJGS3FyM0tPbUoyNndXQ3A1Q1BGVHJZU0haTW5JeWVRRkxSWTlpVVNuWS1fU2NMZXBZQmpLSVBOTW9QRC1fRWVScGVGY2JEdWt3U3p1d2ZvYkdrV1ZxRnJySFZkaUoxdG03NjBGaUpoanNTYjdlN1pSRDAwMGNfVGgtZmlkeUVXLWhtWQ?oc=5) · KVSC 88.1 FM
- 2026-08-27 [SCFCU and St. Cloud Subaru teaming up with Sartell and Becker athletics - Patriot News MN](https://news.google.com/rss/articles/CBMitAFBVV95cUxObGlDOWxBdndFQ1NDVDFZVHJlOTNheGtqbXBlaldJR1FucF9vZU95cmZYa2tNNWM3a3NVeWxrX1RQaW5OQ0FSeEEzUHg2OHRVbFg5WUdETlNTd2ljUkRHYmRhNHR6TEZwOWNEUUprTVNKVW9Lak1nNDVmaWVKbkdoenMtbWhLcTRpWEtRTzlYSjZwVXNOZ3VjTi1EVWVPdHctNHFhMEo1SVkzb2Z6M1dKa2ZMM0I?oc=5) · Patriot News MN
- 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
- 2026-09-07 [Aveen Sunar uses his voice to help amplify others - St. Cloud Live](https://news.google.com/rss/articles/CBMikgFBVV95cUxOcVVlODJOeVhGcFNyVmhfdV92dHAzdmhETFJMc2ozaFVBRmVicnYtRDRFd2hIb1V4NkFsVWZFZ1dXTTNpM0o3N2ZuaWhzdVhwY0JJQTZScFVLQXNFME94MlRBb0xBX25hWk1GM0VzeFZZZ09mS25yX1hsa1FZWjROMjBYaUExX1owbzBnbWRzTHhMQQ?oc=5) · St. Cloud Live
- 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

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68697 (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/25.json (key "68697", 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=68697
- 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