Saint Michaels Federal Credit Union Craig, Colorado
Saint Michaels Federal Credit Union is a federal credit union headquartered in Craig, CO, established in 1956 (NCUA charter 11340), and it is regulated and insured by the NCUA. At Q2 2026 it reported 182 members and total assets of $1.0M (up 8.7% from Q2 2025), the 60th largest of 61 credit unions headquartered in Colorado. Its net worth ratio was 12.48% at Q2 2026, in the well capitalized band.
Also written as Saint Michaels FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 11340
- Headquarters
- Craig, CO
- Established
- 1956
- Total assets, Q2 2026
- $1.0M
- Assets vs Q2 2025
- +8.7%
- Members, Q2 2026
- 182
- Net worth ratio, Q2 2026
- 12.48%
- Latest call report
- Q2 2026, NCUA 5300 · Saint Michaels Federal Credit Union call report
- Asset rank in state
- 60th of 61 in Colorado
- Routing number
- 302174948
- Branches
- 1
It has 1 fewer member than on June 30, 2025 (-0.5%). Its net worth ratio was down 1.04 percentage points from 13.52% on June 30, 2025. Used vehicle loans are its largest loan category, $259K of $410K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.61% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 12.48% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in Colorado
Frequently asked about Saint Michaels Federal Credit Union
How big is Saint Michaels Federal Credit Union?
At Q2 2026 it reported total assets of $1.0M and 182 members.
Where is Saint Michaels Federal Credit Union headquartered?
It is headquartered in Craig, CO, United States.
When was Saint Michaels Federal Credit Union founded?
It was established in 1956, per NCUA records.
Is Saint Michaels Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 11340): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Saint Michaels Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Saint Michaels Federal Credit Union well capitalized?
Its net worth ratio was 12.48% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Saint Michaels Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.61% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Saint Michaels Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 45.80% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Craig, CO 81625
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1956
- NCUA Charter #
- 11340
- RSSD ID
- 567286
- Members
- 182
- Potential members
- 300
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 12.48% | 14.31% | 36th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 2.86% | 0.72% | over 90th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 22.95% | 4.74% | over 90th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.90% | 3.93% | 49th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 30.26% | 79.83% | over 90th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | -0.04% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.61% | 0.86% | 62nd above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.87% | 4.70% | 15th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 45.80% | 58.92% | 30th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.0M total assets against $940K; $894K total shares and deposits against $813K; $410K total loans against $465K.
$128K net worth against $127K.
12.48% net worth ratio against 13.52%.
45.80% loan-to-share ratio against 57.21%.
2.86% return on assets against 2.39%; 22.95% return on equity against 17.68%.
3.90% net interest margin against 3.32%.
182 members against 183.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.48% | 2.86% | 0.61% | 45.80% |
| March 31, 2026 | 12.45% | 0.93% | — | 43.37% |
| December 31, 2025 | 11.86% | -4.37% | — | 45.88% |
| September 30, 2025 | 12.99% | 0.65% | — | 52.22% |
| June 30, 2025 | 13.52% | 2.39% | — | 57.21% |
| March 31, 2025 | 12.26% | 2.41% | — | 51.18% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.