PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

St. Francis X

Petoskey, MI · Charter 7219

NCUA · 4 branches

Q2 2026

$268.8MAssets
$148.7MLoans
$231.2MShares
$37.3MNet Worth

Executive Summary

  • Earnings: ROA of 1.28%, up 37 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.11% of loans (+9 bps YoY).
  • Capital: net worth / assets of 13.89%, up 26 bps from a year ago.
  • Funding: loans stand at 64.33% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.28%+37 bps YoY

Net Interest Margin (YTD, annualized)

3.15%+35 bps YoY

Efficiency Ratio (YTD, annualized)

63.35%-789 bps YoY

Net Worth / Assets

13.89%+26 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.77%0.80%0.91%0.92%0.97%1.03%1.21%1.28%+37 bps
Return on Equity5.69%5.86%6.58%6.73%7.22%7.52%8.76%9.24%+251 bps
Net Interest Margin2.47%2.52%2.78%2.79%2.78%2.87%3.09%3.15%+35 bps
Efficiency Ratio74.32%73.84%71.40%71.24%70.30%68.94%65.88%63.35%-789 bps
Growth
Asset Growth (YoY)5.93%6.94%5.59%6.21%8.42%7.57%8.21%7.34%+113 bps
Loan Growth (YoY)0.20%0.83%2.01%3.26%4.61%7.53%5.40%7.60%+434 bps
Share Growth (YoY)5.88%7.35%5.33%5.93%8.40%7.25%8.00%7.29%+136 bps
Asset Quality
Delinquent Loans / Loans0.23%0.02%0.10%0.02%0.10%0.14%0.11%0.11%+9 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.57%13.68%13.78%13.63%13.40%13.73%13.81%13.89%+26 bps
Net Worth / Assets13.57%13.68%13.78%13.63%13.40%13.73%13.81%13.89%+26 bps
Liquidity & Funding
Loans / Shares65.82%64.95%65.37%64.14%63.52%65.12%63.80%64.33%+19 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps