Northland Area
Alpena, MI · Charter 11979 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 17 branches
Q2 2026
$714.4MAssets
$475.4MLoans
$648.9MShares
$73.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 43% of credit unions under $1B in assets in MI (rank 33 of 56).
- Widest gap: net interest margin trails 86% of credit unions under $1B in assets in MI (rank 48 of 56).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.76%
Rank 41 of 56
Net Interest Margin
3.15%
Rank 48 of 56
Efficiency Ratio
79.55%
Rank 44 of 56
Equity / Assets
10.33%
Rank 39 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.76% | 0.74% | 1.15% | 1.47% | Beats 27% | 41 / 56 | |
| Return on Equity | 7.37% | 6.40% | 9.29% | 11.51% | Beats 32% | 38 / 56 | |
| Net Interest Margin | 3.15% | 3.40% | 3.92% | 4.36% | Beats 14% | 48 / 56 | |
| Efficiency Ratio | 79.55% | 65.99% | 72.16% | 78.25% | Beats 23% | 44 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.88% | 0.49% | 0.84% | 1.28% | Beats 43% | 33 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.33% | 10.20% | 12.14% | 14.32% | Beats 30% | 39 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.33% | 10.20% | 12.14% | 14.32% | Beats 30% | 39 / 56 | |
| Liquidity & Funding |
| Loans / Deposits | 73.26% | 52.28% | 65.96% | 76.17% | 68th pctl | 18 / 56 | |
| Loans / Assets | 66.54% | 45.34% | 56.55% | 67.04% | 73rd pctl | 15 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |