Side-by-side · Q2 2026 data
First Community 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 | First Community Bank | St. Francis X Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 89 (stronger) |
| Capital cushion | 49 | 89 (stronger) |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 96 (stronger) | 71 |
| Funding & liquidity | 53 | 96 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 68th | 94th |
| Total assets | $413.6M | $268.8M |
| Deposits / shares | $358.3M | $231.2M |
| Capital ratio | 9.93% | 13.89% (stronger) |
| Problem loans | 0.00% (stronger) | 0.11% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.91% (stronger) | 1.28% |
| Loans ÷ deposits | 93.6% | 64.3% (stronger) |
| Uninsured deposits | 27.7% | 9.9% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | — |
St. Francis X Federal Credit Union has the higher TellerScore (89 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First Community 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.
Where both have branches
- Petoskey, MI
- Harbor Springs, MI