CU Explorer
Credit unions · Michigan · Q2 2026

St. Francis X FCU

Credit union in Petoskey, MI · NCUA charter #7219 · Federal charter

Legal name: St. Francis X

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$269M
Total loans & leases$149M
Total shares & deposits$231M
Members10,080
Net worth$37.3M
Net worth / assets13.89%
Loans / assets55.34%
Return on assets (annualized)1.28%
Loan growth (YoY)7.60%
Member growth (YoY)1.84%
Delinquency, all loans (60+ days)0.11%
CharterFederal charter
Asset band$250M–$1B
NCUA peer group$100M–$500M
Sponsor typeCommunity

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search, web search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): online membership application, online loan application, online account opening, online loan payments, bill payment, e-signature, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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