ST. FRANCIS X Credit Union Profile

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ST. FRANCIS X

Charter #7219 | NCUA Region 1 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (231) 348-7690

Fax:

Founding Date: N/A

Website: http://www.stfranciscu.org

Personnel & Operations

President: Walker, Robinson

Manager: Bingaman, Scott

FT Employees: 27

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 66

Branches: 4

Hours: M,T,TH 7:30am-5:00pm F 7:30am-6:00pm W 7

Credit Union Profile Summary

ST. FRANCIS X is a FCU Credit Union. With a total of 9,903 members [1], this institution manages approximately $250,394,292 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 13.63% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 3.26% [1].

Financial Snapshot

Total Assets [1]
$250,394,292

Total economic resources.

Total Loans [1]
$138,217,772

Total value of outstanding loans.

Total Deposits [1]
$215,495,166

Total funds deposited by members.

Members [1]
9,903

Number of active members.

Performance Ratios

Net Worth Ratio [1]
13.63%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.93%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
64.14%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
6.21%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
3.26%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
1.63%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

2140 M 119

Petoskey, MI, 49770

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 4 branches reported by ST. FRANCIS X (Charter #7219).

Main Office

St. Francis X Federal Credit Union Main Office

Type: Corporate Office

2140 M 119

Petoskey, MI 49770

Phone: (231) 348-7690

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Harbor Springs

St. Francis X Federal Credit Union

Type: Branch Office

7681 S State Rd

Harbor Springs, MI 49740-9617

Phone: (231) 348-7690

Services: Member Services, ATM, Drive-Thru

Open in Directions

Petoskey

St Francis X Federal Credit Union

Type: Branch Office

1511 US Highway 131

Petoskey, MI 49770-8722

Phone: (231) 348-7690

Services: Member Services, ATM, Drive-Thru

Open in Directions

St. Francis X Federal Credit Union

Type: Branch Office

224 State St

Petoskey, MI 49770-2718

Phone: (231) 348-7690

Services: Member Services, ATM, Drive-Thru

Open in Directions