Side-by-side · Q2 2026 data
Alpena-Alcona Area Credit Union vs True Community Credit Union
Metric by metric
| Measure | Alpena-Alcona Area Credit Union | True Community Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 63 |
| Capital cushion | 72 (stronger) | 66 |
| Loan quality | 72 (stronger) | 47 |
| Earnings | 76 (stronger) | 64 |
| Funding & liquidity | 88 (stronger) | 74 |
| Problem-loan coverage | 91 (stronger) | 79 |
| Peer percentile | 71st | 29th |
| Total assets | $975.7M | $955.0M |
| Deposits / shares | $848.5M | $836.1M |
| Capital ratio | 12.18% (stronger) | 11.58% |
| Problem loans | 0.85% (stronger) | 1.59% |
| Net charge-offs | 0.52% (stronger) | 1.20% |
| Return on assets | 1.39% (stronger) | 1.09% |
| Loans ÷ deposits | 72.4% (stronger) | 86.7% |
| Uninsured deposits | 11.3% | 1.4% (stronger) |
| Offices | 11 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.1% |
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 6 and True Community Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.