St. Francis X
Petoskey, MI · Charter 7219 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 4 branches
Q2 2026
$268.8MAssets
$148.7MLoans
$231.2MShares
$37.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 98% of credit unions under $1B in assets in MI (rank 2 of 56).
- Widest gap: net interest margin trails 87% of credit unions under $1B in assets in MI (rank 49 of 56).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.28%
Rank 21 of 56
Net Interest Margin
3.15%
Rank 49 of 56
Efficiency Ratio
63.35%
Rank 11 of 56
Equity / Assets
13.89%
Rank 16 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.28% | 0.74% | 1.15% | 1.47% | Beats 63% | 21 / 56 | | |
| Return on Equity | 9.24% | 6.40% | 9.29% | 11.51% | Beats 48% | 29 / 56 | | |
| Net Interest Margin | 3.15% | 3.40% | 3.92% | 4.36% | Beats 13% | 49 / 56 | | |
| Efficiency Ratio | 63.35% | 65.99% | 72.16% | 78.25% | Beats 82% | 11 / 56 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.11% | 0.49% | 0.84% | 1.28% | Beats 98% | 2 / 56 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.89% | 10.20% | 12.14% | 14.32% | Beats 71% | 16 / 56 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.89% | 10.20% | 12.14% | 14.32% | Beats 71% | 16 / 56 | | |
| Liquidity & Funding |
| Loans / Deposits | 64.33% | 52.28% | 65.96% | 76.17% | 46th pctl | 30 / 56 | | |
| Loans / Assets | 55.34% | 45.34% | 56.55% | 67.04% | 45th pctl | 31 / 56 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |