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The Lender Report built this page from public records. ST. Cloud Financial Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about ST. Cloud Financial Credit Union itself. Each figure shows its source and date. Work at ST. Cloud Financial Credit Union? You can claim this page for free.
Credit union, Sartell, MN
ST. Cloud Financial Credit Union
A credit union based in Sartell, MN. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent 1-4 unit investor, SBA 7(a), SBA 504 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
- $59.1M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 14
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 19
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $456M
- 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
- 320-252-2634 From the NCUA record, June 30, 2026.
- Website
- www.stcloudfcu.coopFrom the NCUA record, November 9, 2026.
- Names it files under
- ST. CLOUD FINANCIAL; St Cloud Financial Credit UnionNCUA 5300,
- Address
- 1716 Pine Cone Rd S, Sartell, MN 56377NCUA 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. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. ST. Cloud Financial Credit Union reported $3.6M of Farmland loans as of June 30, 2026, up from none the prior quarter. NCUA 5300,
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 38.0% to $27.9M 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 61.4% to $15M 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 |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Minnesota | SBA 7(a), All Other Miscellaneous Ambulatory Health Care Services | $340K | 9.25% | 10 yr | SBA FOIA | |
| Sep 2026 | Minnesota | SBA 7(a), All Other Miscellaneous Ambulatory Health Care Services | $100K | 9.25% | 10 yr | SBA FOIA | |
| Aug 2026 | Minnesota | SBA 7(a), Beauty Salons | $90K | 7.75% | 10 yr | SBA FOIA | |
| May 2026 | Minnesota | SBA 7(a), Full-Service Restaurants | $120K | 9.25% | 7 yr | SBA FOIA | |
| May 2026 | Minnesota | SBA 7(a), Flooring Contractors | $50K | 9.25% | 10 yr | SBA FOIA | |
| Jan 2026 | Minnesota | SBA 7(a), Beauty Salons | $460K | 9% | 10 yr | SBA FOIA | |
| Jun 2025 | Minnesota | SBA 7(a), Offices of Real Estate Agents and Brokers | $48K | 9.75% | 5 yr | SBA FOIA | |
| May 2025 | Minnesota | SBA 7(a), Beauty Salons | $20K | 9.5% | 5 yr | SBA FOIA | |
| Feb 2025 | Minnesota | SBA 7(a), Administrative and Support and Waste Management and Remediation Services | $41K | 10% | 5 yr | SBA FOIA | |
| Jan 2025 | Minnesota | SBA 7(a), Motor Vehicle Towing | $2.3M | 9.5% | 10 yr | SBA FOIA | |
| Dec 2024 | Minnesota | SBA 7(a), Beauty Salons | $370K | 9.25% | 10 yr | SBA FOIA | |
| Sep 2024 | Minnesota | SBA 7(a), Manufacturing | $76K | 10.5% | 5 yr | SBA FOIA | |
| Aug 2024 | Minnesota | SBA 7(a), Supermarkets and Other Grocery Retailers (except Convenience Retailers) | $70K | 10.25% | 10 yr | SBA FOIA | |
| Jul 2024 | Minnesota | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $250K | 10.5% | 25 yr | SBA FOIA | |
| Jun 2024 | Minnesota | SBA 7(a), Beauty Salons | $130K | 10.25% | 7 yr | SBA FOIA | |
| Jan 2024 | Minnesota | SBA 7(a), Automotive Body, Paint, and Interior Repair and Maintenance | $510K | 10.5% | 10 yr | SBA FOIA | |
| Dec 2023 | Minnesota | SBA 7(a), Full-Service Restaurants | $510K | 10.5% | 10 yr | SBA FOIA | |
| Oct 2023 | Minnesota | SBA 7(a), General Freight Trucking, Long-Distance, Truckload | $1M | 10.75% | 10 yr | SBA FOIA | |
| 18 SBA 7(a) loans since October 2023, net of cancelled | $6.50M | 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 | $3.65M | 1.0% | -0.0% | 7 | $522K |
| Construction and land development | $3.96M | 1.0% | +187.2% | 6 | $660K |
| Owner-occupied CRE | $15.0M | 3.9% | +61.4% | 26 | $576K |
| Non-owner-occupied CRE | $27.9M | 7.3% | +38.0% | 31 | $900K |
| Farmland | $3.61M | 0.9% | Not reported | 2 | $1.81M |
| Commercial and industrial | $5.05M | 1.3% | -42.5% | 40 | $126K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $59.1M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $24.2M |
| Q4 2023 | $29.3M |
| Q1 2024 | $33.6M |
| Q2 2024 | $34.9M |
| Q3 2024 | $36.9M |
| Q4 2024 | $39.9M |
| Q1 2025 | $43.4M |
| Q2 2025 | $43.3M |
| Q3 2025 | $45.0M |
| Q4 2025 | $45.3M |
| Q1 2026 | $46.6M |
| Q2 2026 | $59.1M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| 1-4 unit investor or business purpose | 2025 | 6 | $1.44M | $190K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 18 | $6.50M | $126K | $2.3M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 6 | $1.16M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 1 | $260K | $260K | $260K | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 14 | $15.5M | NCUA 5300, | ||
| Construction | First half of 2026 | 1 | $250K | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 5 | $1.94M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 6 | $9.65M | NCUA 5300, | ||
| C&I | First half of 2026 | 5 | $1.09M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $660K |
| Multifamily | $522K |
| Owner-occupied CRE | $576K |
| Non-owner-occupied CRE | $900K |
| Farmland | $1.81M |
| Commercial and industrial | $126K |
| Industry | Loans | Dollars |
|---|---|---|
| Beauty Salons | 5 | $1.08M |
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 | $55.9M | $22.6M to $74.1M 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 | $63.2M | $542K to $97.3M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 113.1% | 0.7% to 216.8% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $4.84M | $2.24M to $9.02M 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 | 110.0% | 5.5% to 257.9% 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 | 83.7% | 51.2% to 83.4% 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
- 8 days, median of 16
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 |
|---|---|---|---|
| Sharepoint Credit Union | MN | $360M | $15.2M |
| MY Credit Union | MN | $366M | $105M |
| First Alliance Credit Union | MN | $358M | $26.8M |
| Minnesota Valley Credit Union | MN | $329M | $2.84M |
| South Metro Credit Union | MN | $185M | $12.5M |
| Centricity Credit Union | MN | $341M | $12.2M |
| Minnco Credit Union | MN | $605M | $23.1M |
| Trustar Credit Union | MN | $377M | $60.0M |
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. ST. Cloud Financial Credit Union, NCUA charter 68697. Compare it with the regulator's record. [NCUA profile]
- Balances. $456M in total assets and $59.1M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 14 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 25 loans in HMDA and SBA files, through September 30, 2026: 6 HMDA 1-4 unit investor 2025, 18 SBA 7(a) in 36 months, 1 SBA 504 first lien in 36 months. [How each file was tied to ST. Cloud Financial Credit Union]
- Phone and website. Phone 320-252-2634, from the NCUA record. Website stcloudfcu.coop, 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
- 68697
- RSSD
- 142599
- LEI
- 549300ANTUZH5AQQXR02
- The Lender Report ID
- lr_002729
- Main office county
- Stearns
- Members
- 29,241
- NCUA region
- 3 - Western
NCUA credit union details,
- Reported $456.4M in total assets as of June 30, 2026 (NCUA 5300).
- Held $59.1M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $27.9M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 38.0% from a year earlier (NCUA 5300).
- Held $15M of owner-occupied commercial real estate loans as of June 30, 2026, up 61.4% from a year earlier (NCUA 5300).
- Held $5M of commercial and industrial loans as of June 30, 2026 (NCUA 5300).
- Originated 6 1-4 unit investor or business-purpose loans totaling $1.4M in 2025 (HMDA).
5 more sentences
- Recorded 21 SBA 7(a) approvals totaling $9.2M from October 1, 2023 to September 30, 2026, of which 3 were later cancelled (SBA).
- Provided the first lien on 1 SBA 504 project with $260K in first-lien dollars from October 1, 2023 to September 30, 2026 (SBA).
- Originated 14 real-estate-secured commercial loans totaling $15.5M in the first half of 2026 (NCUA 5300).
- Held $3.8M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 5 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, ST. Cloud Financial Credit Union, https://lender.report/lender/st-cloud-financial-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
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at ST. Cloud Financial 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