St. Michaels
St. Michaels is a credit union based in Craig, Colorado, established in 1956, with $980 thousand in total assets serving 183 members. By Trust Grade it ranks 10th of 62 credit unions we track in Colorado. Its net worth ratio of 12.4% trails most similarly sized credit unions (37th percentile), versus a Colorado median of 11.3%. It was profitable over the most recent period, with a 0.94% return on assets. No consumer complaints against St. Michaels appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How St. Michaels compares to Colorado peers
How we graded St. Michaels
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (12.4% capital ratio)
- Profitable (ROA 0.94%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for St. Michaels over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at St. Michaels insured?
Yes. St. Michaels is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
St. Michaels: frequently asked questions
Is St. Michaels a good credit union?
St. Michaels earns a Bankzia Trust Grade of A (97/100, "Excellent"), based on a financial-strength score of 97/100 (it has no CFPB complaints on record). Strongly capitalized (12.4% capital ratio); Profitable (ROA 0.94%).
Is St. Michaels NCUA-insured?
Yes. St. Michaels is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is St. Michaels?
St. Michaels holds $1 million in total assets, ranking 10th of 62 credit unions we track in Colorado. It serves 183 members.
Does St. Michaels have CFPB complaints?
No CFPB complaints against St. Michaels appear in our data over the analysis window, which is typical for a credit union of this size.
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Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
