Alpena Community
Alpena, MI · Charter 62264 · Peer group: credit unions under $1B in assets in MI (n=56)
NCUA · 1 branch
Q2 2026
$35.6MAssets
$15.7MLoans
$30.2MShares
$5.0MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 89% of credit unions under $1B in assets in MI (rank 7 of 56).
- Widest gap: net interest margin trails 55% of credit unions under $1B in assets in MI (rank 31 of 56).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.37%
Rank 18 of 56
Net Interest Margin
3.78%
Rank 31 of 56
Efficiency Ratio
68.75%
Rank 19 of 56
Equity / Assets
14.04%
Rank 15 of 56
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.37% | 0.74% | 1.15% | 1.47% | Beats 68% | 18 / 56 | |
| Return on Equity | 9.73% | 6.40% | 9.29% | 11.51% | Beats 59% | 23 / 56 | |
| Net Interest Margin | 3.78% | 3.40% | 3.92% | 4.36% | Beats 45% | 31 / 56 | |
| Efficiency Ratio | 68.75% | 65.99% | 72.16% | 78.25% | Beats 68% | 19 / 56 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.21% | 0.49% | 0.84% | 1.28% | Beats 89% | 7 / 56 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.04% | 10.20% | 12.14% | 14.32% | Beats 73% | 15 / 56 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.04% | 10.20% | 12.14% | 14.32% | Beats 73% | 15 / 56 | |
| Liquidity & Funding |
| Loans / Deposits | 51.82% | 52.28% | 65.96% | 76.17% | 23rd pctl | 43 / 56 | |
| Loans / Assets | 44.04% | 45.34% | 56.55% | 67.04% | 23rd pctl | 43 / 56 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |