B
Saint Paul Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Saint Paul Federal Credit Union
Saint Paul, MN
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Rating B
Asset Quality Index 9.80
Capitalization Index 10.00
Liquidity Index 3.50
Profitability Index 5.30
Stability Index 7.20
Company Info Saint Paul Federal Credit Union
Saint Paul, MN
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NCUA Charter Number 4047
Phone Number (651) 772-8744
Website www.stpaulfcu.org
Asset Quality Saint Paul Federal Credit Union
Saint Paul, MN
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1-Year Asset Growth 1.77%
5-Year Asset Growth 6.46%
5-Year Charge-Offs to Average Loans 0.21%
Charge-Offs to Average Loans 0.18%
Non-Performing Assets to Assets 0.09%
Non-Performing Loans to Capital 0.72%
Non-Performing Loans to Loans 0.11%
Balance Sheet Saint Paul Federal Credit Union
Saint Paul, MN
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Total Assets 258.71M
Total Deposits 226.88M
Capital and Reserves Saint Paul Federal Credit Union
Saint Paul, MN
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Capital 30.60M
Leverage Ratio 12.30
Loan Loss Reserves to Loans 0.79%
Liquidity Saint Paul Federal Credit Union
Saint Paul, MN
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Hot Money Ratio 14.04%
Liquidity Ratio 24.16%
Profitability Saint Paul Federal Credit Union
Saint Paul, MN
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5-Year Return on Average Assets 0.45%
Net Income 1.63M
Net Interest Spread 3.50%
Operating Profit to Average Assets 0.87%
Overhead Efficiency Ratio 77.97%
Return on Assets 0.85%
Return on Equity 7.41%