St. Cloud Financial

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

$430.0M

47^th percentile

Members

28,066

49^th percentile

Total loans

$340.0M

59^th percentile

Total shares

$383.0M

50^th percentile

Profitability

Return on assets

1.34%

75^th percentile

Net interest margin

2.85%

17^th percentile

Efficiency ratio

52.83%

73^th percentile

Non-interest income ratio

30.72%

94^th percentile

Capital & Risk

Net worth ratio

7.50%

2^th percentile

Delinquency rate

0.37%

82^th percentile

Net charge-off rate

0.32%

59^th percentile

Loan-to-share

88.79%

72^th percentile

Growth

Member growth YoY

10.20%

97^th percentile

Asset growth YoY

14.78%

96^th percentile

Loan growth YoY

6.11%

61^th percentile

Share growth YoY

11.00%

91^th percentile

Operations

Members / branch

5,613

68^th percentile

Assets / member

$15,319

42^th percentile

Field of membership penetration

5.04%

55^th percentile

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