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Alpena Community

Alpena, MI · Charter 62264

NCUA · 1 branch

Q2 2026

$35.6MAssets
$15.7MLoans
$30.2MShares
$5.0MNet Worth

Executive Summary

  • Earnings: ROA of 1.37%, up 27 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.21% of loans (-10 bps YoY).
  • Capital: net worth / assets of 14.04%, up 146 bps from a year ago.
  • Funding: loans stand at 51.82% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.37%+27 bps YoY

Net Interest Margin (quarter, annualized)

3.79%+42 bps YoY

Efficiency Ratio (quarter, annualized)

68.82%-489 bps YoY

Net Worth / Assets

14.04%+146 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets3.17%2.82%1.36%1.09%1.84%1.61%1.40%1.37%+27 bps
Return on Equity25.23%21.95%10.67%8.70%13.55%11.80%10.22%9.73%+103 bps
Net Interest Margin3.17%3.26%3.36%3.37%3.47%3.59%3.81%3.79%+42 bps
Efficiency Ratio51.94%55.98%71.04%73.71%62.70%65.93%68.35%68.82%-489 bps
Growth
Asset Growth (YoY)1.43%3.00%3.23%7.31%7.33%7.05%4.87%2.12%-519 bps
Loan Growth (YoY)14.17%8.77%11.21%4.97%5.50%5.58%4.15%2.89%-208 bps
Share Growth (YoY)-2.86%0.43%0.90%6.81%5.83%5.31%2.88%-0.20%-701 bps
Asset Quality
Delinquent Loans / Loans0.14%0.17%0.05%0.31%0.23%0.10%0.05%0.21%-10 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.57%12.87%12.73%12.58%13.55%13.63%13.75%14.04%+146 bps
Net Worth / Assets12.57%12.87%12.73%12.58%13.55%13.63%13.75%14.04%+146 bps
Liquidity & Funding
Loans / Shares52.99%53.32%50.15%50.26%52.83%53.46%50.77%51.82%+156 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps