ST. FRANCIS X
Charter #7219 · Petoskey, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.81% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.22% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.53% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.11% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ST. FRANCIS X | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $263.38M | 67th pct | 61th pct |
| Members | 10,013 | 33th pct | 31th pct |
| Net worth ratio | 13.81% | 77th pct | 75th pct |
| Return on average assets | 1.22% | 79th pct | 75th pct |
| Net interest margin | 3.12% | 19th pct | 28th pct |
| Cost of funds | 1.53% | 68th pct | 79th pct |
| Loan-to-share | 63.80% | 33th pct | 46th pct |
| Delinquency 60+ days | 0.11% | 8th pct | 8th pct |
| Net charge-off ratio | 0.00% | 6th pct | 11th pct |
| Loan growth YoY | 1.43% | 61th pct | 66th pct |
| Share growth YoY | 0.98% | 17th pct | 28th pct |
| Efficiency ratio | 65.88% | 17th pct | 20th pct |
structural peer set hash: d2602c25eb4729983e38bf781b1d1336… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.