# ST. FRANCIS X
Petoskey, MI · NCUA charter 7219 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/st-francis-x-7219

Who the members are: federal charter, community charter, organized 1951. 10,013 members of 84,000 potential (11.9% of the field); checking penetration 77% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *fortress*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $263.4M |
| Members | 10,013 (1.4% YoY) |
| Full-time staff | 26 |
| Net worth | $36.4M |
| Net worth ratio | 13.8% (p80 of band) |
| ROA (annualized) | 1.21% (p81 of band) |
| Total delinquency | 0.11% (p7 of band) |
| Net charge-offs (annualized) | 0.00% (p4 of band) |
| Loans / shares | 64% (p28 of band) |
| Cash / assets | 40.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.09% (p21 of band) |
| Operating expense / assets | 2.36% (p9 of band) |
| Vehicles % of loans | 14% (p12 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.29% (p25 of band) |
| Vehicle NCO | 0.93% (p66 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 79% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 12% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 42% |
| Average share balance | $8,993 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $33,716 |
| Loans granted, annualized | $32.5M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 0 |  | delinquency 2x band |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | delinquency rising |
| 2019-03 | 1 | delinquency rising |  |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 2 | margin squeeze |  |
| 2021-03 | 3 | delinquency rising |  |
| 2021-06 | 1 |  | net worth falling, margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | delinquency rising |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | net worth falling, delinquency rising |  |
| 2022-09 | 0 |  | net worth falling, delinquency rising |
| 2022-12 | 1 | delinquency rising |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | delinquency rising |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 2 | net worth falling, delinquency rising |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 0 |  | net worth falling, delinquency rising |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | net worth falling |  |
| 2025-12 | 1 | delinquency rising | net worth falling |
| 2026-03 | 0 |  | delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-04-15 [5 Michigan Credit Unions Named Top-Performing In Country - CBS News](https://news.google.com/rss/articles/CBMimgFBVV95cUxPNUpKU2ZkLVZQM0tBdzQ2Zk8xTVBGci02clA0cmRPMFhkbG9Ga3o2RzJGYV8tRU5tVE1ac3JNd2FJZUZKaGtjc1VZUGdJWmVpUmQwTW5uOXlmNlFNaUFIbFVGQ05vam9nencwemN0SjFyQTUxWHJBSnBSNWM2eXNlaDZoZjRwZlVmRFdWWGdtaGVodUIzcHdzZ3lR0gGfAUFVX3lxTE5vaVFXbmNXRElCNnlLb2JHZEFQT1lvRFNVVGRLMlNVeEw3b3JqeFBwWTVOWTJRM1VfOFVvVlpKZWZLcXlGLWJEVlp1YkFYWlhNTnpNSC04VXZQclByZFVUeF9WSkJwQ2Vock9XMkNzWnltSWxjemFxa212NXUzRXNUZ3Z4MWtZRmwzNjJlX2RoQ2dNa3l6b2h0eUxOMl9Ccw?oc=5) · CBS News
- 2015-08-24 [Credit union adding new branch on former park site - Petoskey News-Review](https://news.google.com/rss/articles/CBMitgFBVV95cUxQZTllQUdwOXpjd1dLT3dncENscTcxaVVrWWpGSXRTSWc2TEN3c3hqUDBtWXFVenhqY1BmRjJEc2l4SkRNREN5VG93QnJXdGxab0JSN25tUkFOejA1SjhBODE3LWgybzFLRU5DSktQTGdHeDdPWjlYazlDcDdrREo5elFqRXNldWg1Z01ybklscHRkQkxUQ2Q1cWEtTU9HREdpR3dOX1lEMTluNm5YRFY3dGJuVjhSUQ?oc=5) · Petoskey News-Review
- 2023-06-19 [Red Hot Best 2023: Petoskey, Harbor Springs & The Straits - MyNorth.com](https://news.google.com/rss/articles/CBMihwFBVV95cUxNd01WdkN0VEJjMW1sWlZLWURvdzdMZXA3SEJuOE95THcydUZDRTlUenl1MGpVcjM3SjJESlRicFFQLVBkejR4U2JnTGhFZHB3QkZZT3NlRmFpNXdtaEhFeGJkYWg0M2ZZNlJGVG1hbW9HNEFyeW5HMTc0aGx3MFBSc19kaHpjNzA?oc=5) · MyNorth.com
- 2019-12-16 [Obituary for Clarence "Rusty" Hughey, III - Stone Funeral Home, Inc.](https://news.google.com/rss/articles/CBMid0FVX3lxTFBJMU9QNHVHMWFwZUZxVXJ3Vzlac0N3WEJDWjJ6Z2xoVUl5THpLQ210VEt3dXJtSjJ5UWluT1NhUjdEWExUUGthZnZyOU44ZzJtVlVsU0x2am9fb1AtQWxSakZCUFF6Smg5dkYtS3NHM3p3LVZ2dmo4?oc=5) · Stone Funeral Home, Inc.
- 2019-11-27 [Justin Racine - Harbor Light News](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5MamVnS2tJbWpvRUo3TUtBVWU0UlZXeXJGSU8zbjJHbDhxcm1oZDBPYjdrZlhqN1dtOWw4a3dvZUZVbWw0R0ExSTQ2aGtQVmJrS0ZxNG1idU1XQjV2MmhRZXJ2NUw5UQ?oc=5) · Harbor Light News
- 2022-06-20 [Red Hot Best 2022: The Best of Petoskey, Harbor Springs & The Straits - MyNorth.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxQand2ZEpZTUFUdldJSjdJMUp2LWVWakt1R3Z5dDJvMENVU2FyU1dxX2Vwa0VORkl2UlhRWlhTZkNCMUtlVnV2SmFXX3N5RncteEZLekNwcE5XZjhoWFBwV2NoZjk3RjJ0RW9VTDdKSU11bXg1VGZ3bU9Dc0lPcnhRU0hfb3VGa2RsMXJrYjZYdF9LblJCbkFr?oc=5) · MyNorth.com
- 2016-09-12 [Obituary for Robert "Bob" C. Keck - Stone Funeral Home, Inc.](https://news.google.com/rss/articles/CBMia0FVX3lxTE9HbGl4S1Q5Tm8wNzJJaVdCTU5JaUlkNGFzWkU2aHoyNTk3WFVDM2VBM0NhUnJ4eVljeU5EdXNYb3cwNzNEdkQ2ZzlNejcyT0xVeDdxdHFNQmgzUFE5MHNLaVUtX0Q2RndCcks0?oc=5) · Stone Funeral Home, Inc.
- 2008-08-05 [Ted Burch Obituary (2008) - Traverse City, MI - legacy.com](https://news.google.com/rss/articles/CBMifEFVX3lxTFBxSmRsWmJwNDdmMGJWdU1EVXBVbHIxTnB2ZlMxOUpRY2hvYTV1a3dqcVhtSEJDOUFNdVk4c1g5TEtxQTVkUExhN1VGclpEZzBaWGhRUDh2S1FnTm5lM1RjVnhLaXhvSm1kcVdXM0M0ZG50UVAwNFVkejVWcW8?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7219 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/51.json (key "7219", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=7219
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide