Credit union · NCUA insured
St. Francis X Federal Credit Union
A $263.4M credit union headquartered in Petoskey, MI, with 10,013 members and 4 branches in Michigan. Best rates: CDs 4.00% and savings 0.10% APY.
St. Francis X Federal Credit Union Carrot Score
65
Carrot Score
Higher than 14% of U.S. banks and credit unions
#6 of 8 in Petoskey, MI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About St. Francis X Federal Credit Union
Founded on April 5, 1951, by parishioners and clergy of St. Francis Xavier Church in Petoskey, Michigan, the credit union began operations out of the church monastery.
St. Francis X Federal Credit Union operates its main office at 2140 M-119 alongside locations in Downtown Petoskey, Harbor Springs, and Rotary Park.
- Headquarters
- 2140 M 119, Petoskey, MI 49770
- NCUA charter
- 7219
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, regularly conducts business, or attends school in Emmet, Charlevoix, or Cheboygan counties is eligible to join.
Branches
4 branches in Michigan
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Michigan
4 branches
- St. Francis X Federal Credit UnionMain office2140 M 119, Petoskey, MI 49770Directions
- St. Francis X Federal Credit Union7681 S State Rd, Harbor Springs, MI 49740Directions
- St Francis X Federal Credit Union1511 US Highway 131, Petoskey, MI 49770Directions
- St. Francis X Federal Credit Union224 State St, Petoskey, MI 49770Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.89% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.11% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.31% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $64 | $76 | — |
- CapitalNet worth ratio13.89%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.11%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.31%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$64Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of St. Francis X Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.