BLS metro-level wage data places Credit Analysts pay in St. Cloud, MN at a median of $74,170 per year ($35.66/hr/hour), drawn from the OEWS May 2025 release for this Metropolitan Statistical Area. Compared to the national median of $83,510, St. Cloud pays 11% below, which typically tracks with a lower local cost of living or smaller specialized-employer cluster. Approximately 80 credit analystss are employed across the St. Cloud MSA in SOC 13-2041.

The St. Cloud pay distribution spans from $55,060 at the 10th percentile to $103,460 at the 90th — a 1.9× spread that reflects experience tenure, specialization, employer size, and the difference between public-sector, nonprofit, and private-sector compensation inside the metro. The 25th percentile sits at $65,000 and the 75th at $86,340, so half of St. Cloud-based credit analystss earn within that middle band.

Metro figures capture where you actually work, not just where you live — which matters for commuters. BLS draws metro boundaries from the OMB MSA definitions, so St. Cloud, MN covers the central city plus outlying counties tied to the metro economically. Remember that OEWS wages reflect base pay only: employer-provided health insurance, retirement matches, stock options, signing bonuses, overtime, and tips are excluded and can add 20-40% to real total compensation. Before using this metro median as a negotiation anchor, triangulate against the same occupation's national profile (linked below), its state-wide MN data, and peer-metro comparisons — a median is a starting point, not a ceiling.