Federal credit union · Petoskey, Michigan · NCUA charter #7219
St. Francis X
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $259.3M
- Total assets
- 9,991
- Members
- 13.8%
- Net-worth ratio
St. Francis X scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $259.3M; members 9,991; net-worth ratio 13.81%; health rank #477 of 4,374; healthier than 87th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#477 of 4,374 health · 2025Q4St. Francis X · health 94/100 · $259.3M · 2025Q4
Call Report peers
St. Francis X in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
St. Francis X vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); St. Francis X sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
St. Francis X: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 13.81% vs peer 12.11% (+1.70 pp).
- Loan-to-Share Ratio trails the peer set - 65.12% here, 72.20% peer average (-7.08 pp).
Michigan standing for St. Francis X
- Health composite ranks #17 of 171 among scored Michigan credit unions.
- Assets rank #68 of 171 inside Michigan ($259.3M reported).
- Member book place in Michigan: #97 of 171.
- One place up in Michigan, Tlc Community (#16) ties at 94/100; one place down, Alpena-Alcona Area (#18) ties at 94/100.
How St. Francis X's 5300 filing moved
St. Francis X: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $259.3M (2025Q4) to $263.4M (2026Q1).
- Net-worth ratio shifted +0.08 pp (13.73% → 13.81%).
13.81% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 94/100 score is built
St. Francis X gives up 6 points in total. Member Growth costs the most, 4.5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 10.5 pts
- Loan-to-Share Ratio 13.5 pts
Call Report ratios for St. Francis X
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.81% | +1.70 pp |
| Delinquency Rate | 0.14% | -0.75 pp |
| Return on Assets | 0.75% | +0.12 pp |
| Member Growth | 1.26% | - |
| Loan-to-Share Ratio | 65.12% | -7.08 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
St. Francis X filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $263.4M | - |
| 2025Q4 | $259.3M | 9,991 |
| 2024Q4 | $241.0M | 9,867 |
| 2023Q4 | $225.4M | 9,653 |
Credit Union Details
- Charter Number
- 7219
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Petoskey
- Data Quarter
- 2025Q4
Branch Locations (4)
St. Francis X operates 4 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| St. Francis X Federal Credit Union (Main Office) | Petoskey, MI |
| St. Francis X Federal Credit Union | Harbor Springs, MI |
| St. Francis X Federal Credit Union | Petoskey, MI |
| St Francis X Federal Credit Union | Petoskey, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- St. Francis X ranks #477 of 4,374 nationally on financial health and #17 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- North Central Area is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with North Central Area
Frequently Asked Questions
Is St. Francis X financially healthy?
St. Francis X has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #477 of 4,374 nationally on health and #17 of 171 in Michigan. Its net worth ratio is 13.81% and its delinquency rate 0.14%.
How does St. Francis X compare to other credit unions?
St. Francis X scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.81% vs 12.11%). Its widest shortfall is loan-to-share ratio (65.12% vs 72.20%).
How can I join St. Francis X?
St. Francis X operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact St. Francis X directly for the exact boundaries and application steps.
Is my money safe at St. Francis X?
St. Francis X is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. St. Francis X's net worth ratio of 13.81% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.