ST. FRANCIS X
Federal • Petoskey, Michigan • Est. 1951
Quick Facts
- Charter Number
- #7219
- Type
- Federal
- Established
- 1951
- Headquarters
- Petoskey, Michigan 49770
- Address
- 2140 M 119
- Branches
- 4
- ATMs
- 4
- Members
- 9,991
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
9,991 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ST. FRANCIS X |
|---|---|
| Total Assets | $259.3M |
| Members | 9,991 |
| Loans Outstanding | $145.7M |
| Shares & Deposits | $223.7M |
| Net Worth | $35.6M |
| Net Worth Ratio | 13.73% |
| Loan-to-Share Ratio | 65.1% |
| Delinquency Rate | 0.14% |
| Net Income | +$2,734,331 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 4 ATMs
St. Francis X Federal Credit Union
Main Office2140 M 119
Petoskey, MI 49770
St. Francis X Federal Credit Union
224 State St
Petoskey, MI 49770-2718
St. Francis X Federal Credit Union
7681 S State Rd
Harbor Springs, MI 49740-9617
St Francis X Federal Credit Union
1511 US Highway 131
Petoskey, MI 49770-8722
Who Can Join ST. FRANCIS X?
Membership Type: Community
Membership eligibility for ST. FRANCIS X may vary. Contact the credit union directly to confirm qualification requirements.
Contact ST. FRANCIS X directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Michigan RankingsFrequently Asked Questions
Yes. ST. FRANCIS X is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, ST. FRANCIS X has 9,991 members and a potential membership field of 84,000 people.
ST. FRANCIS X's net worth ratio is 13.73% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.7%, ST. FRANCIS X meets this threshold.
ST. FRANCIS X operates 4 branch locations and has access to 4 ATMs. The main office is located at 2140 M 119, Petoskey, MI 49770.
ST. FRANCIS X was established in 1951. It is a federal credit union chartered under charter number 7219. The institution has been serving members for 75 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or ST. FRANCIS X. All financial data is for informational purposes only.