Side-by-side · Q2 2026 data
Alpena-Alcona Area Credit Union vs Wolverine State Credit Union
Metric by metric
| Measure | Alpena-Alcona Area Credit Union | Wolverine State Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 60 |
| Capital cushion | 72 (stronger) | 46 |
| Loan quality | 72 | 76 (stronger) |
| Earnings | 76 (stronger) | 25 |
| Funding & liquidity | 88 (stronger) | 85 |
| Problem-loan coverage | 91 (stronger) | 90 |
| Peer percentile | 71st | 21st |
| Total assets | $975.7M | $172.9M |
| Deposits / shares | $848.5M | $155.6M |
| Capital ratio | 12.18% (stronger) | 9.64% |
| Problem loans | 0.85% | 0.71% (stronger) |
| Net charge-offs | 0.52% (stronger) | 0.63% |
| Return on assets | 1.39% (stronger) | 0.11% |
| Loans ÷ deposits | 72.4% (stronger) | 74.8% |
| Uninsured deposits | 11.3% | 4.6% (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 60). On the 7 directional measures above (where higher or lower is clearly better), Alpena-Alcona Area Credit Union leads on 5 and Wolverine State Credit Union on 2. 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.
Where both have branches
- Alpena, MI
- Oscoda, MI