Side-by-side · Q2 2026 data
Citizens National Bank of Cheboygan vs Alpena-Alcona Area Credit Union
Metric by metric
| Measure | Citizens National Bank of Cheboygan | Alpena-Alcona Area Credit Union |
|---|---|---|
| TellerScore | 53 | 77 (stronger) |
| Capital cushion | 35 | 72 (stronger) |
| Loan quality | 51 | 72 (stronger) |
| Earnings | 49 | 76 (stronger) |
| Funding & liquidity | 87 | 88 (stronger) |
| Problem-loan coverage | 68 | 91 (stronger) |
| Peer percentile | 9th | 71st |
| Total assets | $471.0M | $975.7M |
| Deposits / shares | $435.8M | $848.5M |
| Capital ratio | 8.49% | 12.18% (stronger) |
| Problem loans | 1.47% | 0.85% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.52% |
| Return on assets | 0.73% | 1.39% (stronger) |
| Loans ÷ deposits | 60.8% (stronger) | 72.4% |
| Uninsured deposits | 26.2% | 11.3% (stronger) |
| Offices | 8 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alpena-Alcona Area Credit Union has the higher TellerScore (77 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Citizens National Bank of Cheboygan 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.
Where both have branches
- Cheboygan, MI