Side-by-side · Q2 2026 data
Gerber Federal Credit Union 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 | Gerber Federal Credit Union | St. Francis X Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 89 (stronger) |
| Capital cushion | 52 | 89 (stronger) |
| Loan quality | 70 | 96 (stronger) |
| Earnings | 50 | 71 (stronger) |
| Funding & liquidity | 100 (stronger) | 96 |
| Problem-loan coverage | 90 | 99 (stronger) |
| Peer percentile | 41st | 94th |
| Total assets | $259.5M | $268.8M |
| Deposits / shares | $233.0M | $231.2M |
| Capital ratio | 10.19% | 13.89% (stronger) |
| Problem loans | 0.89% | 0.11% (stronger) |
| Net charge-offs | 0.54% | 0.01% (stronger) |
| Return on assets | 0.74% | 1.28% (stronger) |
| Loans ÷ deposits | 60.5% (stronger) | 64.3% |
| Uninsured deposits | 2.5% (stronger) | 9.9% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.2% | — |
St. Francis X Federal Credit Union has the higher TellerScore (89 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Gerber Federal Credit Union leads on 2 and St. Francis X Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.