St. Michaels Federal Credit Union (NCUA charter #11340) is based in Craig, Colorado. Its Q2 2026 call report shows $1.0M in total assets and $894K in member shares and deposits and 1 office.
St. Michaels Federal Credit Union has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 80% of its 2,479 credit unions with under $100 million in assets. Among 62 credit unions headquartered in Colorado, it ranks 9th. Funding & liquidity contributes the most (100/100, 46% loans-to-deposits, 0% uninsured); capital cushion contributes the least (75/100, 12.48%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 10 points (96 → 86), mostly because the loan quality component weakened by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 60 |
| Q4 2024 | 70 |
| Q1 2025 | 92 |
| Q2 2025 | 96 |
| Q3 2025 | 92 |
| Q4 2025 | 77 |
| Q1 2026 | 84 |
| Q2 2026 | 86 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.10% |
| Q3 2024 | 10.90% |
| Q4 2024 | 11.83% |
| Q1 2025 | 12.26% |
| Q2 2025 | 13.52% |
| Q3 2025 | 12.99% |
| Q4 2025 | 11.86% |
| Q1 2026 | 12.45% |
| Q2 2026 | 12.48% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 3.77% |
| Q3 2024 | 0.80% |
| Q4 2024 | 0.75% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.61% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.92% |
| Q3 2024 | -1.16% |
| Q4 2024 | 0.32% |
| Q1 2025 | 2.41% |
| Q2 2025 | 2.46% |
| Q3 2025 | 1.77% |
| Q4 2025 | 0.23% |
| Q1 2026 | 0.93% |
| Q2 2026 | 1.88% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 86 | $1.0M | 12.48% | 0.61% | 1.88% | 45.8% |
| Q1 2026 | 84 | $980K | 12.45% | 0.00% | 0.93% | 43.4% |
| Q4 2025 | 77 | $994K | 11.86% | 0.00% | 0.23% | 45.9% |
| Q3 2025 | 92 | $991K | 12.99% | 0.00% | 1.77% | 52.2% |
| Q2 2025 | 96 | $940K | 13.52% | 0.00% | 2.46% | 57.2% |
| Q1 2025 | 92 | $991K | 12.26% | 0.00% | 2.41% | 51.2% |
| Q4 2024 | 70 | $977K | 11.83% | 0.75% | 0.32% | 55.2% |
| Q3 2024 | 60 | $955K | 10.90% | 0.80% | -1.16% | 63.6% |
| Q2 2024 | 62 | $1.0M | 12.10% | 3.77% | 1.92% | 65.8% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Colorado
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Olathe Federal Credit UnionCredit union Olathe, CO | 44 out of 100, Below average | $1.4M | 5.1% | 0.19% | vs |
| Akron Federal Credit UnionCredit union Akron, CO | 48 out of 100, Below average | $486K | 14.0% | 3.84% | vs |
| Co-Ne Federal Credit UnionCredit union Julesburg, CO | 63 out of 100, Moderate | $4.2M | 8.7% | 0.00% | vs |
| Options Credit UnionCredit union Littleton, CO | 41 out of 100, Below average | $5.5M | 7.0% | 1.20% | vs |
| Fort Morgan Schools Federal Credit UnionCredit union Fort Morgan, CO | 80 out of 100, Strong | $5.6M | 14.5% | 0.00% | vs |
| Moffat County Schools Federal Credit UnionCredit union Craig, CO | 84 out of 100, Strong | $5.7M | 13.1% | 0.00% | vs |
Deposit insurance
Is my money safe at St. Michaels Federal Credit Union?
Yes. St. Michaels Federal Credit Union is a federally insured credit union (NCUA charter #11340). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 12.48%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
St. Michaels Federal Credit Union lists 1 office in 1 city. Most locations:
- Craig, CO (1)
Identity & history
Profile
- Legal name
- St. Michaels Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 11340
- RSSD ID
- 567286
- Primary regulator
- NCUA
- Established
- 1956
- Headquarters
- 678 School St, Craig, CO 81625
- Employees
- 1
Quick answers
St. Michaels Federal Credit Union: common questions
Is St. Michaels Federal Credit Union NCUA insured?
Yes. St. Michaels Federal Credit Union is a federally insured credit union (NCUA charter #11340). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is St. Michaels Federal Credit Union's TellerScore?
86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does St. Michaels Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Craig
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Moffat County Schools Federal Credit UnionCredit union Craig, CO | 84 out of 100, Strong | $5.7M | 13.1% | 0.00% | vs |
| Yampa Valley BankBank Steamboat Springs, CO | 78 out of 100, Strong | $687.6M | 9.4% | 0.09% | vs |
| Bank of ColoradoBank Fort Collins, CO | 74 out of 100, Strong | $7.6B | 10.5% | 0.10% | vs |
| Glacier BankBank Kalispell, MT | 68 out of 100, Moderate | $31.6B | 10.1% | 0.42% | vs |