Iron Mountain Kingsford Community vs St. Francis X
Comparing a Credit Union in Kingsford, MI with a Credit Union in Petoskey, MI using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Iron Mountain Kingsford Community ↗ Credit Union · Kingsford, MI · Est. 1948 | St. Francis X ↗ Credit Union · Petoskey, MI · Est. 1951 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Kingsford, MI | Petoskey, MI |
| Total assets | $150.4M | $263.4M |
| Net worth ratio | 17.3% | 13.8% |
| Return on assets | 1.6% | 1.2% |
| Shares & deposits | — | — |
| Members | 10,079 | 10,013 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 170 | #6 of 170 |
| Established | 1948 | 1951 |
Iron Mountain Kingsford Community
- Assets: $150.4M
- Members: 10,079
- Capital ratio: 17.3%
- Return on assets: 1.6%
- CFPB complaints: 0
- State rank: #4 of 170
St. Francis X
- Assets: $263.4M
- Members: 10,013
- Capital ratio: 13.8%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #6 of 170
Are both institutions federally insured?
Yes. Iron Mountain Kingsford Community is NCUA-insured and St. Francis X is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Iron Mountain Kingsford Community or St. Francis X?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Iron Mountain Kingsford Community scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Iron Mountain Kingsford Community safe?
Yes — Iron Mountain Kingsford Community is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is St. Francis X safe?
Yes — St. Francis X is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Iron Mountain Kingsford Community vs St. Francis X?
Iron Mountain Kingsford Community has a net worth ratio of 17.3%, placing it in the top 6% of $100M–1B peers. St. Francis X's ratio is 13.8%, placing it in the top 21% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Iron Mountain Kingsford Community have compared to St. Francis X?
The CFPB database shows 0 complaints against Iron Mountain Kingsford Community, and 0 complaints against St. Francis X. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Iron Mountain Kingsford Community with other Credit Unions in Michigan
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
