BlastPoint's Credit Union Scorecard
ST. CLOUD FINANCIAL
Charter #68697 · MN
ST. CLOUD FINANCIAL has 12 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 6.6% in tier
- + Organic Growth Engine: Top 10.3% in tier
- + ROA 0.41% above tier average
- + Strong member growth: 10.2% YoY
- + Total Loans: Top 2.3% in tier
- + Member Growth Rate: Top 3.4% in tier
- + Asset Growth Rate: Top 3.6% in tier
- + Fee Income Per Member: Top 5.0% in tier
- + Total Deposits: Top 5.4% in tier
- + Total Assets: Top 6.6% in tier
- + Total Members: Top 8.7% in tier
- + Deposit Growth Rate: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 63.8% in tier
- - Shrinking Wallet Share: Bottom 74.9% in tier
- - Net Worth Ratio: Bottom 2.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28,066
+10.2% YoY+0.9% QoQ
|
+12.6K |
15,437
-2.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
Top 8.8% in tier |
| Assets |
$430.0M
+14.8% YoY+5.2% QoQ
|
+$198.1M |
$231.9M
+1.3% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
Top 6.7% in tier |
| Loans |
$340.0M
+6.1% YoY+2.3% QoQ
|
+$192.7M |
$147.3M
-0.1% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
Top 2.4% in tier |
| Deposits |
$383.0M
+11.0% YoY+5.4% QoQ
|
+$182.2M |
$200.8M
+0.8% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
Top 5.5% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.2%
+301.5% YoY+1.5% QoQ
|
+0.4% |
0.8%
+18.2% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
78% |
| NIM |
2.9%
+3.7% YoY-0.1% QoQ
|
-0.7% |
3.6%
+6.7% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
70.8%
-18.3% YoY+0.2% QoQ
|
-6.2% |
77.0%
-3.1% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
27% |
| Delinquency Rate |
0.4%
-49.4% YoY-17.1% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
21% |
| Loan To Share |
88.8%
-4.4% YoY-3.0% QoQ
|
+16.6% |
72.2%
-1.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$25,761
-1.4% YoY+2.9% QoQ
|
+$1K |
$24,676
+3.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
66% |
| CD Concentration |
34.9%
-2.7% YoY+4.4% QoQ
|
+10.5% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % |
17.5%
-5.6% YoY+3.5% QoQ
|
+3.7% | 13.8% | 6.5% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)