Side-by-side · Q2 2026 data
Horizon 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 | Horizon Bank | St. Francis X Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 89 (stronger) |
| Capital cushion | 55 | 89 (stronger) |
| Loan quality | 77 | 96 (stronger) |
| Earnings | 90 (stronger) | 71 |
| Funding & liquidity | 58 | 96 (stronger) |
| Problem-loan coverage | 91 | 99 (stronger) |
| Peer percentile | 66th | 94th |
| Total assets | $6.5B | $268.8M |
| Deposits / shares | $5.5B | $231.2M |
| Capital ratio | 10.52% | 13.89% (stronger) |
| Problem loans | 0.70% | 0.11% (stronger) |
| Net charge-offs | 0.05% | 0.01% (stronger) |
| Return on assets | 1.75% (stronger) | 1.28% |
| Loans ÷ deposits | 89.7% | 64.3% (stronger) |
| Uninsured deposits | 26.2% | 9.9% (stronger) |
| Offices | 74 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.7% | — |
St. Francis X Federal Credit Union has the higher TellerScore (89 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Horizon Bank leads on 1 and St. Francis X Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.