Side-by-side · Q2 2026 data
St. Francis X Federal Credit Union vs United Bay Community Credit Union
Credit union
St. Francis X Federal Credit Union
Petoskey, Michigan · $100 million – $1 billion
Metric by metric
| Measure | St. Francis X Federal Credit Union | United Bay Community Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 55 |
| Capital cushion | 89 (stronger) | 25 |
| Loan quality | 96 (stronger) | 80 |
| Earnings | 71 (stronger) | 40 |
| Funding & liquidity | 96 (stronger) | 71 |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 94th | 12th |
| Total assets | $268.8M | $301.7M |
| Deposits / shares | $231.2M | $276.1M |
| Capital ratio | 13.89% (stronger) | 7.54% |
| Problem loans | 0.11% (stronger) | 0.60% |
| Net charge-offs | 0.01% (stronger) | 0.28% |
| Return on assets | 1.28% (stronger) | 0.50% |
| Loans ÷ deposits | 64.3% (stronger) | 89.7% |
| Uninsured deposits | 9.9% | 0.9% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.5% |
St. Francis X Federal Credit Union has the higher TellerScore (89 vs 55). On the 7 directional measures above (where higher or lower is clearly better), St. Francis X Federal Credit Union leads on 6 and United Bay Community Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.