Alpena-Alcona Area Credit Union
Total assets
$957.6M
▲ +8.6% YoY
Shares & deposits
$835.5M
▲ +8.0% YoY
Loans
$589.8M
▲ +13.5% YoY
Members
49,570
▲ +2.8% YoY
ROA (annualized)
1.53%
peers 0.62%
ROE (annualized)
12.70%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +4.8% | +3.8 pts |
| Share growth (YoY) | +8.0% | +4.3% | +3.7 pts |
| Loan growth (YoY) | +13.5% | +4.3% | +9.2 pts |
| ROA | 1.53% | 0.62% | +0.9 pts |
| ROE | 12.7% | 5.9% | +6.8 pts |
ROA ranks in the 92nd percentile of its peer group · Q1 2026
Profile
- Established
- 1953
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 515, Alpena, MI, 49707
- NCUA charter #
- 62035
- RSSD ID
- 793197
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $957.6M | $835.5M | $589.8M | $115.7M | $3.7M | 1.53% | 3.41% | 0.61% | 49,570 |
| Q4 2025 | $930.8M | $810.9M | $588.5M | $112.0M | $13.4M | 1.44% | 3.40% | 0.79% | 49,171 |
| Q3 2025 | $918.8M | $800.9M | $573.5M | $109.8M | $10.8M | 1.57% | 3.38% | 0.73% | 48,818 |
| Q2 2025 | $902.9M | $788.4M | $551.7M | $105.7M | $6.7M | 1.49% | 3.33% | 0.64% | 48,251 |
| Q1 2025 | $881.7M | $773.4M | $519.7M | $102.2M | $3.2M | 1.46% | 3.27% | 0.50% | 48,198 |
| Q4 2024 | $861.4M | $755.5M | $511.8M | $99.0M | $10.7M | 1.25% | 3.20% | 0.72% | 47,873 |
| Q3 2024 | $841.8M | $737.8M | $490.8M | $97.1M | $8.5M | 1.35% | 3.23% | 0.72% | 47,316 |
| Q2 2024 | $821.6M | $720.2M | $474.6M | $93.9M | $5.3M | 1.29% | 3.22% | 0.73% | 46,733 |
Loan mix (Q1 2026): real estate $200.1M · commercial $53.8M · consumer $248.1M · securities $181.0M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.53% | 0.62% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 12.7% | 5.9% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.41% | 3.48% | 44th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.1% | 78.3% | 5th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
Similar credit unions
- True Community Credit UnionJackson, MI · $953.2M
- Tlc Community Credit UnionAdrian, MI · $938.0M
- Arbor Financial Credit UnionKalamazoo, MI · $905.3M
- Members First Credit UnionMidland, MI · $904.1M
- Pfcu Credit UnionPortland, MI · $858.9M
- Team One Credit UnionSaginaw, MI · $767.4M
Selling to Alpena-Alcona Area Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.