Sep, 30, 2025 — ST. CLOUD FINANCIAL CREDIT UNION is a federally insured state chartered credit union headquartered in SARTELL, MN with 5 branch locations and about $408.85 million in total assets. Opened 92 years ago in 1934, ST. CLOUD FINANCIAL CREDIT UNION has about 27,804 members and employs 81 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ST. CLOUD FINANCIAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1716 Pine Cone Rd S SARTELL, MN 56377 |
| Phone: | (320) 252-2634 |
| Fax: | (320) 258-4520 |
| Website: | https://www.stcloudfcu.coop |
| Branches: | 5 branch locations |
| Members: | 27,804 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68697 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1934 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $408,853,600 |
| CEO/Manager: | Jed A Meyer |
| Chairperson: | Randy Schreifels |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 13,071,034 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 274,550 |
| Real Estate Loans | 167,958,609 |
| Unsecured Loans | 10,963,815 |
| Other Loans | 153,561,119 |
| TOTAL LOANS | 332,483,543 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,587,000 |
| Land And Building | 7,028,594 |
| Other Fixed Assets | 2,256,126 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 3,330,379 |
| All Other Assets | 0 |
| TOTAL ASSETS | 408,853,600 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 10,000,000 |
| Accounts Payable & Other Liabilities | 5,124,243 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 79,943,547 |
| Regular shares | 100,844,290 |
| All Other Shares & Deposits | 182,567,018 |
| TOTAL SHARES & DEPOSITS | 363,354,856 |
| TOTAL LIABILITIES | 378,507,099 |
| Regular Reserve | 0 |
| Other Reserves | 3,264,297 |
| Undivided Earnings | 27,082,204 |
| TOTAL EQUITY | 30,346,501 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 408,853,600 |
| INCOME & EXPENSE | |
| Loan Income | 13,131,632 |
| Investment Income | 1,077,093 |
| Other Income | 1,598,553 |
| Total Employee Compensation & Benefits | 5,106,343 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 5,893,643 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,035,832 |
| Cost of Funds | 5,247,262 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 3,523,351 |
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