Saint Paul, Minnesota · Peer group 5
St. Paul Credit Union
St. Paul Credit Union holds $261.6M in assets across 15,143 members as of Q1 2026 — about $17K of assets per member, on a charter dating to 1953. Charter number 24358, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $261.6M |
|---|---|
| Total loans | $195.6M |
| Total shares (deposits) | $228.6M |
| Net worth | $32.2M |
| Members | 15,143 |
| Assets per member | $17K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.7% | |
|---|---|---|
| Loans | 5.7% | around the 68th percentile of its peer group |
| Deposits | 0.7% | around the 27th percentile of its peer group |
| Members | 2.0% | around the 75th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 85.6% | around the 80th percentile of its peer group |
|---|---|---|
| Net worth ratio | 12.3% | around the 61st percentile of its peer group |
| Return on assets | 0.62% | around the 44th percentile of its peer group |
| Delinquency ratio | 0.17% | around the 11th percentile of its peer group |
| Cash / assets | 11.3% | around the 59th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is St. Paul Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Minnesota — the comparison set a peer ratio is measured against.
- Novation Credit Union
OAKDALE, MN
$252.3M · 14,384 members
- Building Trades Credit Union
MAPLE GROVE, MN
$244.9M · 19,005 members
- North Shore Credit Union
Silver Bay, MN
$281.6M · 13,976 members
- Greater Community Credit Union
Dawson, MN
$294.7M · 8,323 members
- Home Town Credit Union
Owatonna, MN
$295.6M · 25,572 members
- Expedition Credit Union
Mendota Heights, MN
$225.6M · 14,229 members
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