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The Lender Report built this page from public records. City & County Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about City & County Credit Union itself. Each figure shows its source and date. Work at City & County Credit Union? You can claim this page for free.
Credit union, Saint Paul, MN
City & County Credit Union
A credit union based in Saint Paul, MN. Its commercial book is led by non-owner-occupied CRE and multifamily. Public files show recent 1-4 unit investor, SBA 7(a) and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $115M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 9
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 6
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $1.17B
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 651-225-2700 From the NCUA record, June 30, 2026.
- Website
- www.cccu.comFrom the NCUA record, November 9, 2026.
- Commercial lending page
- cccu.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- CITY & COUNTY; City & County CUNCUA 5300,
- Address
- 144 11th St E, Saint Paul, MN 55101NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. City & County Credit Union's Multifamily balance rose 50.3% to $28.5M in the quarter ended June 30, 2026. NCUA 5300,
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 38.9% to $47.8M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Multifamily balance rose 44.9% to $28.5M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 40.5% to $19.6M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Nov 2025 | Minnesota | SBA 7(a), All Other Home Furnishings Retailers | $95K | 7.5% | 7 yr | SBA FOIA | |
| Sep 2025 | Minnesota | SBA 7(a), Retail Trade | $690K | 7.5% | 15 yr | SBA FOIA | |
| Jun 2025 | Iowa | SBA 7(a), Mobile Food Services | $300K | 8.75% | 10 yr | SBA FOIA | |
| Aug 2024 | Minnesota | SBA 7(a), Residential Remodelers | $190K | 10.5% | 8 yr | SBA FOIA | |
| Apr 2024 | Texas | SBA 7(a), Mobile Food Services | $190K | 9.5% | 7 yr | SBA FOIA | |
| Mar 2024 | Minnesota | SBA 7(a), Home Health Care Services | $1.3M | 8.5% | 15 yr | SBA FOIA | |
| 6 SBA 7(a) loans since October 2023, net of cancelled | $2.77M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $28.5M | 4.0% | +44.9% | 15 | $1.90M |
| Construction and land development | $13.3M | 1.9% | +805.4% | 7 | $1.90M |
| Owner-occupied CRE | $19.6M | 2.8% | +40.5% | 22 | $890K |
| Non-owner-occupied CRE | $47.8M | 6.7% | +38.9% | 34 | $1.41M |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $5.92M | 0.8% | +12.6% | 78 | $75.9K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $115M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $72.0M |
| Q4 2023 | $66.4M |
| Q1 2024 | $65.1M |
| Q2 2024 | $69.7M |
| Q3 2024 | $69.7M |
| Q4 2024 | $68.7M |
| Q1 2025 | $69.1M |
| Q2 2025 | $74.8M |
| Q3 2025 | $79.5M |
| Q4 2025 | $86.8M |
| Q1 2026 | $95.3M |
| Q2 2026 | $115M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| 1-4 unit investor or business purpose | 2025 | 1 | $220K | $220K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 6 | $2.77M | $246K | $1.3M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 1 | $95K | SBA FOIA, | ||
| Real-estate-secured commercial | First half of 2026 | 9 | $26.9M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 2 | $9.87M | NCUA 5300, | ||
| Construction | First half of 2026 | 2 | $7.20M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 3 | $5.68M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 2 | $4.15M | NCUA 5300, | ||
| C&I | First half of 2026 | 10 | $915K | NCUA 5300, |
How these public files were tied to this lender. HMDA: its name and state. SBA 7(a) loans: its NCUA charter number.
| Book | Average loan |
|---|---|
| Construction and land development | $1.90M |
| Multifamily | $1.90M |
| Owner-occupied CRE | $890K |
| Non-owner-occupied CRE | $1.41M |
| Commercial and industrial | $75.9K |
Programs on record: Federal Home Loan Bank member, Des Moines district (FHFA).
Where it lends
Offices beside loans on record
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $144M | $44.1M to $337M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $49.9M | $542K to $1.66B across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 34.7% | 0.7% to 491.6% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $21.2M | $4.84M to $45.6M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 63.3% | 16.2% to 277.5% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 60.7% | 59.7% to 83.7% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Approval to first disbursement
- 9 days, median of 6
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Topline Financial Credit Union | MN | $1.12B | $115M |
| Members Cooperative Credit Union | MN | $1.16B | $203M |
| Ideal Credit Union | MN | $1.07B | $53.3M |
| Mid Minnesota Credit Union | MN | $858M | $67.6M |
| Magnifi Financial Credit Union | MN | $2.75B | $1.40B |
| Sharepoint Credit Union | MN | $360M | $15.2M |
| ST. Cloud Financial Credit Union | MN | $456M | $59.1M |
| Minnco Credit Union | MN | $605M | $23.1M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. City & County Credit Union, NCUA charter 60255. Compare it with the regulator's record. [NCUA profile]
- Balances. $1.17B in total assets and $115M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 9 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 7 loans in HMDA and SBA files, through September 30, 2026: 1 HMDA 1-4 unit investor 2025, 6 SBA 7(a) in 36 months. [How each file was tied to City & County Credit Union]
- Phone and website. Phone 651-225-2700, from the NCUA record. Website cccu.com, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 60255
- RSSD
- 632492
- LEI
- 984500DB378C704F4610
- The Lender Report ID
- lr_001350
- Main office county
- Ramsey
- Members
- 61,905
- NCUA region
- 3 - Western
NCUA credit union details,
- Reported $1.2B in total assets as of June 30, 2026 (NCUA 5300).
- Held $115.1M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $47.8M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 38.9% from a year earlier (NCUA 5300).
- Held $28.5M of multifamily loans as of June 30, 2026, up 44.9% from a year earlier (NCUA 5300).
- Held $19.6M of owner-occupied commercial real estate loans as of June 30, 2026, up 40.5% from a year earlier (NCUA 5300).
- Originated 1 1-4 unit investor or business-purpose loan totaling $220K in 2025 (HMDA).
5 more sentences
- Recorded 6 SBA 7(a) approvals totaling $2.8M from October 1, 2023 to September 30, 2026 (SBA).
- Originated 9 real-estate-secured commercial loans totaling $26.9M in the first half of 2026 (NCUA 5300).
- Bought $17.9M of commercial loan participations from January 1 to June 30, 2026 (NCUA 5300).
- Held $70.5M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 13 offices in 4 states (NCUA).
Cite this
Source: The Lender Report, City & County Credit Union, https://lender.report/lender/city-and-county-credit-union-mn/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
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Work at City & County Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem