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Northern States Power - St. Paul Credit Union
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Northern States Power - St. Paul Credit Union Share
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Overview Share
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Northern States Power - St. Paul Credit Union is a federally insured state credit union based in Saint Paul, Minnesota. It has been opened since 1933, for 89 years.

With around $43,890,000 in assets, Northern States Power - St. Paul Credit Union is considered to be an average size credit union.

About Share
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Address 825 Rice Street
Saint Paul, Minnesota 55117
Website http://www.mynspcu.org
Phone (651) 229-2221
Fax (651) 229-5544
CEO Charlie Yenni
President of the Board Scott Hults
Services Offered
Score Card Share
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89 years
Years in business
Opened in 1933
Well Capitalized
Net worth classification
Source: NCUA
3,272 members
Membership type: State chartered natural person credit union
Average number of members
503:1
Credit union member to staff ratio
503 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
$43,892,726
Total assets
Average size
1 branch
Compared with an average of 4 nationally and 4 in Minnesota
Average number of branches
0.08%
Savings interest rate
Compared to 0.3% nationally
7.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches Share
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1 branch
Compared with an average of 4 nationally and 4 in Minnesota
Average number of branches
Northern States Power - St. Paul Credit Union Branch Locations
Members Share
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3,272 members
Membership type: State chartered natural person credit union
Average number of members

With 3,272 members, the Northern States Power - St. Paul Credit Union is considered to be a medium size credit union. It is larger than 47% of credit unions.

Fees Share
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$60
Average fee per member
The average fee per member at the Northern States Power - St. Paul Credit Union is $60, which is comparable to most credit unions. This rate is lower than 40% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Northern States Power - St. Paul Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff Share
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503:1
Credit union member to staff ratio
503 per each FTE employee
Compared to 411:1 nationally
Less staff than other credit unions
6 staff members
FTE (full-time equivalent)
14% of employees are part-time
6 full-time, 1 part-time

Northern States Power - St. Paul Credit Union has 6 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 86% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Northern States Power - St. Paul Credit Union has around 503 members per staff, a high ratio compared to other credit unions.

Assets Share
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$43,892,726
Total assets
Average size
Net worth Share
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
15.4%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases Share
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$10,836
Average loan and lease size
Loan & lease sizes are average sized. They are bigger than at 56% of credit unions.

Northern States Power - St. Paul Credit Union holds a total of $24,430,000 in loans and leases, which is about $10,836 per member on average.

Savings interest rate Share
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0.08%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Northern States Power - St. Paul Credit Union pays 0.08%.

Loan rates Share
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7.90%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
12.90%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
3.75%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates Share
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2.90%
New car loan rate
Compared to 4.0% nationally
2.65%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates Share
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5.50%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.50%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally

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