Charter 7219 · Petoskey, MI
St. Francis X Federal Credit Union
St. Francis X Federal Credit Union is a federally chartered credit union in Petoskey, Michigan, with $269 million in assets and 10,085 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 13.89%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $269 million
- +7.3% in a year
- Members
- 10,085
- +1.8% in a year
- Net worth ratio
- 13.89%
- Peer median 11.65%
- Loans 60+ days late
- 0.11%
- Peer median 0.70%
- Loans outstanding
- $149 million
- +7.6% in a year
- Shares and deposits
- $231 million
- +7.3% in a year
- Branches
- 4
- 29 employees
- Opened
- 1951
- Federal charter
How St. Francis X Federal Credit Union compares
NCUA groups credit unions by size; St. Francis X Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 13.89% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.11%, is lower than the group median of 0.70%. Loans grew 7.6% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 68 of 169 credit unions headquartered in Michigan. See all Michigan credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $269 million | 10,085 | $149 million | 13.89% | 0.11% |
| Q1 2026 | $263 million | 10,013 | $144 million | 13.81% | 0.11% |
| Q4 2025 | $259 million | 9,991 | $146 million | 13.73% | 0.14% |
| Q3 2025 | $260 million | 9,951 | $142 million | 13.40% | 0.10% |
| Q2 2025 | $250 million | 9,903 | $138 million | 13.63% | 0.02% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 84,000 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for St. Francis X Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- St. Francis X Federal Credit Union (main office)
2140 M 119, Petoskey, MI 49770 - St. Francis X Federal Credit Union
224 State St, Petoskey, MI 49770 - St. Francis X Federal Credit Union
7681 S State Rd, Harbor Springs, MI 49740 - St Francis X Federal Credit Union
1511 Us Highway 131, Petoskey, MI 49770
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology