| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Alpena-Alcona Area Credit Union | Credit union | 2 | $130.5M* | 42.91% |
| 2 | Huron State Bank | Bank | 1 | $82.4M | 27.09% |
| 3 | Awakon Federal Credit Union | Credit union | 2 | $49.3M* | 16.19% |
| 4 | Citizens National Bank of Cheboygan | Bank | 1 | $42.0M | 13.81% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $304.2M | 4 | 6 | Alpena-Alcona Area Credit Union | 42.9% | 3,028 |
| 2025 | $297.9M | 4 | 6 | Alpena-Alcona Area Credit Union | 40.7% | 2,900 |
| 2024 | $290.0M | 4 | 6 | Alpena-Alcona Area Credit Union | 38.2% | 2,787 |
| 2023 | $317.9M | 4 | 6 | Alpena-Alcona Area Credit Union | 41.1% | 2,883 |
| 2022 | $216.2M | 4 | 5 | Awakon Federal Credit Union | 31.9% | 2,754 |
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