Saint Cloud Financial Credit Union
Major Rating Factors:
Fair current capitalization (4.6 on a scale of 0 to 10) based on a net capital to total assets of 7.0 and a net worth ratio of 7.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.5). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Weak (2.7) profitability.
Asset Mix:
Consumer loans (28%), home mtgs (22%), comm loans (15%), other (35%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
3030 1st Street South
Saint Cloud, MN 56301
Saint Cloud, MN 56301
Phone Number
(320) 252-2634
NCUA Charter Number
Website
Largest Competitors
Apple Valley, MN
Plymouth, MN
Saint Paul, MN
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Saint Cloud, MN