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
- 10,013
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
10,013 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ST. FRANCIS X |
|---|---|
| Total Assets | $263.4M |
| Members | 10,013 |
| Loans Outstanding | $144.4M |
| Shares & Deposits | $226.3M |
| Net Worth | $36.4M |
| Net Worth Ratio | 13.81% |
| Loan-to-Share Ratio | 63.8% |
| Delinquency Rate | 0.11% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Michigan
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Michigan RankingsFrequently Asked Questions
ST. FRANCIS X is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, ST. FRANCIS X has 10,013 members and a potential membership field of 84,000 people.
ST. FRANCIS X's reported net worth ratio is 13.81% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or ST. FRANCIS X. All financial data is for informational purposes only.