Side-by-side · Q2 2026 data
Alpena-Alcona Area Credit Union vs Team One Credit Union
Metric by metric
| Measure | Alpena-Alcona Area Credit Union | Team One Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 66 |
| Capital cushion | 72 (stronger) | 49 |
| Loan quality | 72 | 79 (stronger) |
| Earnings | 76 (stronger) | 51 |
| Funding & liquidity | 88 (stronger) | 85 |
| Problem-loan coverage | 91 (stronger) | 90 |
| Peer percentile | 71st | 37th |
| Total assets | $975.7M | $765.9M |
| Deposits / shares | $848.5M | $680.5M |
| Capital ratio | 12.18% (stronger) | 9.88% |
| Problem loans | 0.85% | 0.64% (stronger) |
| Net charge-offs | 0.52% | 0.39% (stronger) |
| Return on assets | 1.39% (stronger) | 0.78% |
| Loans ÷ deposits | 72.4% (stronger) | 75.5% |
| Uninsured deposits | 11.3% | 7.8% (stronger) |
| Offices | 11 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.9% |
Alpena-Alcona Area Credit Union has the higher TellerScore (77 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Alpena-Alcona Area Credit Union leads on 4 and Team One Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.