Side-by-side · Q2 2026 data
Chief Financial Federal Credit Union vs St. Francis X Federal Credit Union
Credit union
Chief Financial Federal Credit Union
Rochester Hills, Michigan · $100 million – $1 billion
Credit union
St. Francis X Federal Credit Union
Petoskey, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Chief Financial Federal Credit Union | St. Francis X Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 89 (stronger) |
| Capital cushion | 49 | 89 (stronger) |
| Loan quality | 81 | 96 (stronger) |
| Earnings | 45 | 71 (stronger) |
| Funding & liquidity | 77 | 96 (stronger) |
| Problem-loan coverage | 91 | 99 (stronger) |
| Peer percentile | 34th | 94th |
| Total assets | $249.7M | $268.8M |
| Deposits / shares | $223.1M | $231.2M |
| Capital ratio | 9.89% | 13.89% (stronger) |
| Problem loans | 0.57% | 0.11% (stronger) |
| Net charge-offs | 0.42% | 0.01% (stronger) |
| Return on assets | 0.64% | 1.28% (stronger) |
| Loans ÷ deposits | 82.9% | 64.3% (stronger) |
| Uninsured deposits | 9.8% (stronger) | 9.9% |
| 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 65). On the 7 directional measures above (where higher or lower is clearly better), Chief Financial Federal Credit Union leads on 1 and St. Francis X Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.