Unverified listing What this means
The Lender Report built this page from public records. ST. Francis X Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about ST. Francis X Credit Union itself. Each figure shows its source and date. Work at ST. Francis X Credit Union? You can claim this page for free.
Credit union, Petoskey, MI
ST. Francis X Credit Union
A credit union based in Petoskey, MI. Its commercial book is mostly owner-occupied CRE. No public file shows individual loans it has made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 11, 2026
- Commercial book
- $4.23M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 0
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- Not reported
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $269M
- NCUA 5300,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 231-348-7690 From the NCUA record, June 30, 2026.
- Website
- www.stfranciscu.orgFrom the NCUA record, November 9, 2026.
- Commercial lending page
- stfranciscu.orgFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- ST. FRANCIS XNCUA 5300,
- Address
- 2140 M 119, Petoskey, MI 49770NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Community - Rural District.
Recently done
Balances only
Balances only. No public file shows individual loans this lender made, and its book has not moved in a way worth a line.
No public record of recent loans. That can mean no such loans or no duty to report.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $0 | 0.0% | Not reported | 0 | Not reported |
| Construction and land development | $0 | 0.0% | Not reported | 0 | Not reported |
| Owner-occupied CRE | $3.25M | 2.2% | -14.8% | 6 | $541K |
| Non-owner-occupied CRE | $0 | 0.0% | Not reported | 0 | Not reported |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $982K | 0.7% | Not reported | 9 | $109K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $4.23M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $2.37M |
| Q4 2023 | $2.20M |
| Q1 2024 | $2.43M |
| Q2 2024 | $2.47M |
| Q3 2024 | $2.53M |
| Q4 2024 | $3.01M |
| Q1 2025 | $4.20M |
| Q2 2025 | $4.10M |
| Q3 2025 | $4.20M |
| Q4 2025 | $4.84M |
| Q1 2026 | $4.31M |
| Q2 2026 | $4.23M |
| Book | Average loan |
|---|---|
| Owner-occupied CRE | $541K |
| Commercial and industrial | $109K |
Programs on record: Federal Home Loan Bank member, Indianapolis district (FHFA).
Where it lends
Offices beside loans on record
| State | Offices |
|---|---|
| Michigan HQ | 4 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $32.9M | $12.8M to $45.5M across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $4.37M | $720K to $23.9M across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 13.3% | 2.8% to 55.1% across 8 peers | Business loans outstanding over the estimated cap. | NCUA 5300, |
| Largest single borrower | $5.60M | $2.07M to $9.58M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 0.0% | 0.0% to 24.7% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 55.3% | 29.3% to 82.3% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Forest Area Credit Union | MI | $318M | $23.7M |
| U.P. State Credit Union | MI | $210M | $720K |
| Marshall Community Credit Union | MI | $372M | $20.4M |
| Route 31 Credit Union | MI | $105M | $1.10M |
| Peninsula Credit Union | MI | $356M | $2.20M |
| Safe Harbor Credit Union | MI | $184M | $14.3M |
| Ukrainian Selfreliance Michigan Credit Union | MI | $140M | $10.4M |
| North Central Area Credit Union | MI | $272M | $2.55M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it made any commercial real estate loans in the first half of 2026. It reported none, and the 5300 covers only what it files.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it makes SBA loans. No SBA loans are on file under this name for the 36 months to September 30, 2026.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. ST. Francis X Credit Union, NCUA charter 7219. Compare it with the regulator's record. [NCUA profile]
- Balances. $269M in total assets and $4.23M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. Your NCUA Form 5300 for June 30, 2026 reports no commercial loans made. If that is wrong, report it with evidence.
- Phone and website. Phone 231-348-7690, from the NCUA record. Website stfranciscu.org, from the NCUA record. [How to reach them]
Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error
For the record
Data as of June 30, 2026. Page last changed November 11, 2026.
- Regulator
- National Credit Union Administration
- NCUA charter
- 7219
- RSSD
- 478588
- The Lender Report ID
- lr_003764
- Main office county
- Emmet
- Members
- 10,136
- NCUA region
- 1 - Eastern
NCUA credit union details,
- Reported $268.8M in total assets as of June 30, 2026 (NCUA 5300).
- Held $4.2M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $3.2M of owner-occupied commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $982K of commercial and industrial loans as of June 30, 2026 (NCUA 5300).
- Listed 4 offices in 1 state (NCUA).
Cite this
Source: The Lender Report, ST. Francis X Credit Union, https://lender.report/lender/st-francis-x-credit-union-mi/, data as of June 30, 2026.
Sources
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Work at ST. Francis X Credit Union? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem