Alpena-Alcona Area
Alpena, MI · Charter 62035 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 13 branches
Q2 2026
$975.7MAssets
$614.6MLoans
$848.5MShares
$118.8MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 91% of credit unions under $1B in assets in MI (rank 6 of 56).
- Widest gap: net interest margin trails 75% of credit unions under $1B in assets in MI (rank 42 of 56).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.39%
Rank 17 of 56
Net Interest Margin
3.40%
Rank 42 of 56
Efficiency Ratio
59.29%
Rank 6 of 56
Equity / Assets
12.18%
Rank 27 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.39% | 0.74% | 1.15% | 1.47% | Beats 70% | 17 / 56 | | |
| Return on Equity | 11.44% | 6.40% | 9.29% | 11.51% | Beats 73% | 15 / 56 | | |
| Net Interest Margin | 3.40% | 3.40% | 3.92% | 4.36% | Beats 25% | 42 / 56 | | |
| Efficiency Ratio | 59.29% | 65.99% | 72.16% | 78.25% | Beats 91% | 6 / 56 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.85% | 0.49% | 0.84% | 1.28% | Beats 46% | 31 / 56 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.18% | 10.20% | 12.14% | 14.32% | Beats 52% | 27 / 56 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.18% | 10.20% | 12.14% | 14.32% | Beats 52% | 27 / 56 | | |
| Liquidity & Funding |
| Loans / Deposits | 72.43% | 52.28% | 65.96% | 76.17% | 64th pctl | 20 / 56 | | |
| Loans / Assets | 62.99% | 45.34% | 56.55% | 67.04% | 63rd pctl | 21 / 56 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |