Side-by-side · Q2 2026 data
H.P.C. Credit Union vs Alpena Community Credit Union
Metric by metric
| Measure | H.P.C. Credit Union | Alpena Community Credit Union |
|---|---|---|
| TellerScore | 68 | 90 (stronger) |
| Capital cushion | 86 | 90 (stronger) |
| Loan quality | 38 | 93 (stronger) |
| Earnings | 52 | 75 (stronger) |
| Funding & liquidity | 92 | 100 (stronger) |
| Problem-loan coverage | 83 | 99 (stronger) |
| Peer percentile | 45th | 89th |
| Total assets | $171.9M | $35.6M |
| Deposits / shares | $148.0M | $30.2M |
| Capital ratio | 13.63% | 14.04% (stronger) |
| Problem loans | 1.86% | 0.21% (stronger) |
| Net charge-offs | 0.27% | 0.01% (stronger) |
| Return on assets | 0.81% | 1.37% (stronger) |
| Loans ÷ deposits | 68.0% | 51.8% (stronger) |
| Uninsured deposits | 9.2% | 3.2% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alpena Community Credit Union has the higher TellerScore (90 vs 68). On the 7 directional measures above (where higher or lower is clearly better), H.P.C. Credit Union leads on 0 and Alpena Community Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.