Side-by-side · Q2 2026 data
Graco Federal Credit Union vs Alpena Community Credit Union
Metric by metric
| Measure | Graco Federal Credit Union | Alpena Community Credit Union |
|---|---|---|
| TellerScore | 72 | 90 (stronger) |
| Capital cushion | 47 | 90 (stronger) |
| Loan quality | 81 | 93 (stronger) |
| Earnings | 65 | 75 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 44th | 89th |
| Total assets | $38.2M | $35.6M |
| Deposits / shares | $34.0M | $30.2M |
| Capital ratio | 9.70% | 14.04% (stronger) |
| Problem loans | 0.58% | 0.21% (stronger) |
| Net charge-offs | 0.35% | 0.01% (stronger) |
| Return on assets | 1.11% | 1.37% (stronger) |
| Loans ÷ deposits | 45.8% (stronger) | 51.8% |
| Uninsured deposits | 6.3% | 3.2% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alpena Community Credit Union has the higher TellerScore (90 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Graco 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.