St. Cloud Financial
St. Cloud Financial is a credit union based in Sartell, Minnesota, established in 1934, with $440 million in total assets serving 28,213 members. By Trust Grade it ranks 78th of 81 credit unions we track in Minnesota. Its net worth ratio of 7.5% trails most similarly sized credit unions (2th percentile), versus a Minnesota median of 12.2%. It was profitable over the most recent period, with a 0.55% return on assets. No consumer complaints against St. Cloud Financial appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How St. Cloud Financial compares to Minnesota peers
How we graded St. Cloud Financial
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.5% capital ratio)
- Profitable (ROA 0.55%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for St. Cloud Financial over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at St. Cloud Financial insured?
Yes. St. Cloud Financial is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
St. Cloud Financial: frequently asked questions
Is St. Cloud Financial a good credit union?
St. Cloud Financial earns a Bankzia Trust Grade of C (78/100, "Average"), based on a financial-strength score of 78/100 (it has no CFPB complaints on record). Well-capitalized (7.5% capital ratio); Profitable (ROA 0.55%).
Is St. Cloud Financial NCUA-insured?
Yes. St. Cloud Financial is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is St. Cloud Financial?
St. Cloud Financial holds $440 million in total assets, ranking 78th of 81 credit unions we track in Minnesota. It serves 28,213 members.
Does St. Cloud Financial have CFPB complaints?
No CFPB complaints against St. Cloud Financial appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
