Side-by-side · Q2 2026 data
Alpena-Alcona Area Credit Union vs Members First Credit Union
Metric by metric
| Measure | Alpena-Alcona Area Credit Union | Members First Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 63 |
| Capital cushion | 72 (stronger) | 42 |
| Loan quality | 72 | 78 (stronger) |
| Earnings | 76 (stronger) | 49 |
| Funding & liquidity | 88 (stronger) | 78 |
| Problem-loan coverage | 91 (stronger) | 89 |
| Peer percentile | 71st | 29th |
| Total assets | $975.7M | $905.4M |
| Deposits / shares | $848.5M | $779.5M |
| Capital ratio | 12.18% (stronger) | 9.21% |
| Problem loans | 0.85% | 0.65% (stronger) |
| Net charge-offs | 0.52% (stronger) | 1.06% |
| Return on assets | 1.39% (stronger) | 0.72% |
| Loans ÷ deposits | 72.4% (stronger) | 82.6% |
| Uninsured deposits | 11.3% | 6.6% (stronger) |
| Offices | 11 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alpena-Alcona Area Credit Union has the higher TellerScore (77 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Alpena-Alcona Area Credit Union leads on 5 and Members First Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.