I shot the subcompact 9mm XD and was able to hit 3" groupings at 12 yards with ease (8 rounds)... Not as accurate as my XD-40 in 4.25" trim, but it's still a nice little pistol. Though I'm more accurate with my G27 (which is chambered in .40) than the 9mm XD... I think this is due to grip angle however... I really prefer the grip angle of Glocks than I do XDs (XD has the 1911 grip angle, Glocks are angled back further).
It's a great pistol and will NEVER fail you, which is to be expected. Besides, you can't go wrong with a Croatian pistol!