CU Explorer
Credit unions · Minnesota · Q2 2026

St. Cloud Financial CU

Credit union in Sartell, MN · NCUA charter #68697 · State charter (federally insured)

Legal name: St. Cloud Financial

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$456M
Total loans & leases$382M
Total shares & deposits$400M
Members29,000
Net worth$32.3M
Net worth / assets7.07%
Loans / assets83.68%
Return on assets (annualized)0.55%
Loan growth (YoY)17.04%
Member growth (YoY)6.76%
Delinquency, all loans (60+ days)0.31%
CharterState charter (federally insured)
Asset band$250M–$1B
NCUA peer group$100M–$500M
Sponsor typeCommunity (inferred from the name)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search, web search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech auto lending, fintech unsecured lending, online membership application, online loan application, online account opening, online loan payments, bill payment, e-signature, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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