St. Francis X

Petoskey, MI · 1 · Charter #7219 · www.stfranciscu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$259.3M
4th percentile
Members
9,991
2th percentile
Total loans
$145.7M
4th percentile
Total shares
$223.7M
3th percentile

Profitability

Return on assets
1.05%
57th percentile
Net interest margin
2.87%
18th percentile
Efficiency ratio
48.89%
85th percentile
Non-interest income ratio
11.05%
9th percentile

Capital & Risk

Net worth ratio
13.73%
83th percentile
Delinquency rate
0.14%
95th percentile
Net charge-off rate
0.01%
99th percentile
Loan-to-share
65.12%
19th percentile

Growth

Member growth YoY
1.26%
59th percentile
Asset growth YoY
7.57%
69th percentile
Loan growth YoY
7.53%
68th percentile
Share growth YoY
7.25%
73th percentile

Operations

Members / branch
2,498
8th percentile
Assets / member
$25,949
92th percentile
Field of membership penetration
11.89%
76th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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