H.P.C.
Alpena, MI · Charter 62219 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 3 branches
Q2 2026
$171.9MAssets
$100.7MLoans
$148.0MShares
$23.4MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 64% of credit unions under $1B in assets in MI (rank 20 of 56).
- Widest gap: nonperforming loans / loans trails 88% of credit unions under $1B in assets in MI (rank 50 of 56).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.81%
Rank 38 of 56
Net Interest Margin
3.45%
Rank 41 of 56
Efficiency Ratio
75.26%
Rank 37 of 56
Equity / Assets
13.63%
Rank 20 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | 0.74% | 1.15% | 1.47% | Beats 32% | 38 / 56 | |
| Return on Equity | 5.92% | 6.40% | 9.29% | 11.51% | Beats 20% | 45 / 56 | |
| Net Interest Margin | 3.45% | 3.40% | 3.92% | 4.36% | Beats 27% | 41 / 56 | |
| Efficiency Ratio | 75.26% | 65.99% | 72.16% | 78.25% | Beats 36% | 37 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.86% | 0.49% | 0.84% | 1.28% | Beats 12% | 50 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.63% | 10.20% | 12.14% | 14.32% | Beats 64% | 20 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.63% | 10.20% | 12.14% | 14.32% | Beats 64% | 20 / 56 | |
| Liquidity & Funding |
| Loans / Deposits | 68.02% | 52.28% | 65.96% | 76.17% | 57th pctl | 24 / 56 | |
| Loans / Assets | 58.59% | 45.34% | 56.55% | 67.04% | 54th pctl | 26 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |