Side-by-side · Q2 2026 data
St. Francis X Federal Credit Union vs North Central Area Credit Union
Credit union
St. Francis X Federal Credit Union
Petoskey, Michigan · $100 million – $1 billion
Credit union
North Central Area Credit Union
Houghton Lake, Michigan · $100 million – $1 billion
Metric by metric
| Measure | St. Francis X Federal Credit Union | North Central Area Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 72 |
| Capital cushion | 89 (stronger) | 66 |
| Loan quality | 96 (stronger) | 68 |
| Earnings | 71 | 74 (stronger) |
| Funding & liquidity | 96 (stronger) | 75 |
| Problem-loan coverage | 99 (stronger) | 88 |
| Peer percentile | 94th | 57th |
| Total assets | $268.8M | $271.7M |
| Deposits / shares | $231.2M | $240.0M |
| Capital ratio | 13.89% (stronger) | 11.55% |
| Problem loans | 0.11% (stronger) | 0.95% |
| Net charge-offs | 0.01% (stronger) | 0.29% |
| Return on assets | 1.28% | 1.36% (stronger) |
| Loans ÷ deposits | 64.3% (stronger) | 85.2% |
| Uninsured deposits | 9.9% | 3.5% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.1% |
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), St. Francis X Federal Credit Union leads on 5 and North Central Area Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.