Side-by-side · Q2 2026 data
Alpena-Alcona Area Credit Union vs H.P.C. Credit Union
Metric by metric
| Measure | Alpena-Alcona Area Credit Union | H.P.C. Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 68 |
| Capital cushion | 72 | 86 (stronger) |
| Loan quality | 72 (stronger) | 38 |
| Earnings | 76 (stronger) | 52 |
| Funding & liquidity | 88 | 92 (stronger) |
| Problem-loan coverage | 91 (stronger) | 83 |
| Peer percentile | 71st | 45th |
| Total assets | $975.7M | $171.9M |
| Deposits / shares | $848.5M | $148.0M |
| Capital ratio | 12.18% | 13.63% (stronger) |
| Problem loans | 0.85% (stronger) | 1.86% |
| Net charge-offs | 0.52% | 0.27% (stronger) |
| Return on assets | 1.39% (stronger) | 0.81% |
| Loans ÷ deposits | 72.4% | 68.0% (stronger) |
| Uninsured deposits | 11.3% | 9.2% (stronger) |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alpena-Alcona Area Credit Union has the higher TellerScore (77 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Alpena-Alcona Area Credit Union leads on 3 and H.P.C. Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.