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National Credit Union Service Organization

ST. CLOUD FINANCIAL CREDIT UNION

Jun, 30, 2023 — ST. CLOUD FINANCIAL CREDIT UNION is a federally insured state chartered credit union headquartered in SAINT CLOUD, MN with 6 branch locations and about $320.70 million in total assets. Opened 90 years ago in 1934, ST. CLOUD FINANCIAL CREDIT UNION has about 24,224 members and employs 77 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 291975656
Name:ST. CLOUD FINANCIAL CREDIT UNION
Address:
(Main Office)
3030 1st St S
SAINT CLOUD, MN 56301
Phone:(320) 252-2634
Fax:(320) 252-9036
Website:https://www.stcloudfcu.coop
Branches:6 branch locations
Members:24,224
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, 2022
FHLB Member:Yes
Low Income Designation:No
Assets:$320,700,019
CEO/Manager:Jed A Meyer
Chairperson:Andrew Johannes

Call Report

  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 11,787,134
TOTAL INVESTMENTS 0
Loans Held for Sale 345,340
 
 Real Estate Loans 107,225,466
 Unsecured Loans 7,210,480
 Other Loans 145,921,361
 TOTAL LOANS 260,357,307
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -806,000
 Land And Building 6,249,785
 Other Fixed Assets 1,043,064
 NCUSIF Deposit 2,613,688
 All Other Assets 0
  TOTAL ASSETS 320,700,019
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 3,638,601
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 69,613,131
 Regular shares 125,381,825
 All Other Shares & Deposits 101,796,572
  TOTAL SHARES & DEPOSITS 296,791,528
  TOTAL LIABILITIES 300,430,129
 Regular Reserve 0
 Other Reserves 29,287
 Undivided Earnings 20,240,603
  TOTAL EQUITY 20,269,890
  TOTAL LIABILITIES, SHARES, & EQUITY 320,700,019
INCOME & EXPENSE  
 Loan Income 6,815,000
 Investment Income 452,762
 Other Income 1,524,721
 Total Employee Compensation & Benefits 4,071,127
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 4,317,548
 Non-operating Income & (Expense) -25,499
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 263,951
 Cost of Funds 480,369
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 1,723,983
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