Charter 11340 · Craig, CO
St. Michaels Federal Credit Union
St. Michaels Federal Credit Union is a federally chartered credit union in Craig, Colorado, with $1.0 million in assets and 182 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 12.48%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $1.0 million
- +8.7% in a year
- Members
- 182
- -0.5% in a year
- Net worth ratio
- 12.48%
- Peer median 19.32%
- Loans 60+ days late
- 0.61%
- Peer median 0.66%
- Loans outstanding
- $410 thousand
- -11.9% in a year
- Shares and deposits
- $894 thousand
- +10.0% in a year
- Branches
- 1
- 1 employees
- Opened
- 1956
- Federal charter
How St. Michaels Federal Credit Union compares
NCUA groups credit unions by size; St. Michaels Federal Credit Union is in the group with under $2 million in assets (232 credit unions). Its net worth ratio of 12.48% is lower than that group's median of 19.32%, and its share of loans 60 or more days past due, 0.61%, is about the same as the group median of 0.66%. Loans fell 11.9% over the year to Q2 2026, against a group median of a 7.3% fall.
By assets it ranks 61 of 62 credit unions headquartered in Colorado. See all Colorado credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.0 million | 182 | $410 thousand | 12.48% | 0.61% |
| Q1 2026 | $980 thousand | 183 | $372 thousand | 12.45% | 0.00% |
| Q4 2025 | $994 thousand | 187 | $402 thousand | 11.86% | 0.00% |
| Q3 2025 | $991 thousand | 185 | $450 thousand | 12.99% | 0.00% |
| Q2 2025 | $940 thousand | 183 | $465 thousand | 13.52% | 0.00% |
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 300 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 1 site for St. Michaels 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.
- office (main office)
678 School St, Craig, CO 81625
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