St. Paul

Saint Paul, MN · 1 · Charter #24358 · www.stpaulfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$258.6M
3th percentile
Members
14,969
10th percentile
Total loans
$196.5M
18th percentile
Total shares
$226.4M
4th percentile

Profitability

Return on assets
0.83%
39th percentile
Net interest margin
3.05%
26th percentile
Efficiency ratio
57.24%
59th percentile
Non-interest income ratio
16.81%
35th percentile

Capital & Risk

Net worth ratio
12.39%
71th percentile
Delinquency rate
0.02%
100th percentile
Net charge-off rate
0.26%
68th percentile
Loan-to-share
86.80%
67th percentile

Growth

Member growth YoY
1.12%
58th percentile
Asset growth YoY
1.92%
23th percentile
Loan growth YoY
5.85%
59th percentile
Share growth YoY
0.92%
17th percentile

Operations

Members / branch
4,990
57th percentile
Assets / member
$17,276
59th percentile
Field of membership penetration
1.94%
27th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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