Side-by-side · Q2 2026 data
Flagship Community Federal Credit Union vs Alpena Community Credit Union
Credit union
Flagship Community Federal Credit Union
Port Huron, Michigan · Under $100 million in assets
Metric by metric
| Measure | Flagship Community Federal Credit Union | Alpena Community Credit Union |
|---|---|---|
| TellerScore | 76 | 90 (stronger) |
| Capital cushion | 62 | 90 (stronger) |
| Loan quality | 90 | 93 (stronger) |
| Earnings | 49 | 75 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 54th | 89th |
| Total assets | $34.8M | $35.6M |
| Deposits / shares | $30.7M | $30.2M |
| Capital ratio | 11.22% | 14.04% (stronger) |
| Problem loans | 0.31% | 0.21% (stronger) |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 0.73% | 1.37% (stronger) |
| Loans ÷ deposits | 54.8% | 51.8% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 3.2% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alpena Community Credit Union has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Flagship Community Federal Credit Union leads on 1 and Alpena Community Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.