St. Francis X
St. Francis X is a credit union based in Petoskey, Michigan, established in 1951, with $263 million in total assets serving 10,013 members. By Trust Grade it ranks 6th of 170 credit unions we track in Michigan. Its net worth ratio of 13.8% is stronger than 79% of similarly sized credit unions, versus a Michigan median of 11.7%. It was profitable over the most recent period, with a 1.21% return on assets. No consumer complaints against St. Francis X appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How St. Francis X compares to Michigan peers
How we graded St. Francis X
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.8% capital ratio)
- Strongly profitable (ROA 1.21%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for St. Francis X over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at St. Francis X insured?
Yes. St. Francis X 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. Francis X: frequently asked questions
Is St. Francis X a good credit union?
St. Francis X earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (13.8% capital ratio); Strongly profitable (ROA 1.21%).
Is St. Francis X NCUA-insured?
Yes. St. Francis X 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. Francis X?
St. Francis X holds $263 million in total assets, ranking 6th of 170 credit unions we track in Michigan. It serves 10,013 members.
Does St. Francis X have CFPB complaints?
No CFPB complaints against St. Francis X appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
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.
