Side-by-side · Q2 2026 data
Charlevoix State Bank vs St. Francis X Federal Credit Union
Credit union
St. Francis X Federal Credit Union
Petoskey, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Charlevoix State Bank | St. Francis X Federal Credit Union |
|---|---|---|
| TellerScore | 84 | 89 (stronger) |
| Capital cushion | 54 | 89 (stronger) |
| Loan quality | 93 | 96 (stronger) |
| Earnings | 100 (stronger) | 71 |
| Funding & liquidity | 98 (stronger) | 96 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 86th | 94th |
| Total assets | $248.3M | $268.8M |
| Deposits / shares | $221.0M | $231.2M |
| Capital ratio | 10.41% | 13.89% (stronger) |
| Problem loans | 0.22% | 0.11% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 2.31% (stronger) | 1.28% |
| Loans ÷ deposits | 59.0% (stronger) | 64.3% |
| Uninsured deposits | 17.0% | 9.9% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
St. Francis X Federal Credit Union has the higher TellerScore (89 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Charlevoix State Bank leads on 3 and St. Francis X Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.