Side-by-side · Q2 2026 data
Arbor Financial Credit Union vs Alpena-Alcona Area Credit Union
Metric by metric
| Measure | Arbor Financial Credit Union | Alpena-Alcona Area Credit Union |
|---|---|---|
| TellerScore | 55 | 77 (stronger) |
| Capital cushion | 56 | 72 (stronger) |
| Loan quality | 40 | 72 (stronger) |
| Earnings | 53 | 76 (stronger) |
| Funding & liquidity | 71 | 88 (stronger) |
| Problem-loan coverage | 74 | 91 (stronger) |
| Peer percentile | 12th | 71st |
| Total assets | $899.0M | $975.7M |
| Deposits / shares | $770.6M | $848.5M |
| Capital ratio | 10.62% | 12.18% (stronger) |
| Problem loans | 1.81% | 0.85% (stronger) |
| Net charge-offs | 0.19% (stronger) | 0.52% |
| Return on assets | 0.83% | 1.39% (stronger) |
| Loans ÷ deposits | 88.9% | 72.4% (stronger) |
| Uninsured deposits | 7.5% (stronger) | 11.3% |
| Offices | 5 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.5% | — |
Alpena-Alcona Area Credit Union has the higher TellerScore (77 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Arbor Financial Credit Union leads on 2 and Alpena-Alcona Area Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.