Side-by-side · Q2 2026 data
Huron Community Bank vs Alpena-Alcona Area Credit Union
Metric by metric
| Measure | Huron Community Bank | Alpena-Alcona Area Credit Union |
|---|---|---|
| TellerScore | 63 | 77 (stronger) |
| Capital cushion | 41 | 72 (stronger) |
| Loan quality | 89 (stronger) | 72 |
| Earnings | 44 | 76 (stronger) |
| Funding & liquidity | 78 | 88 (stronger) |
| Problem-loan coverage | 76 | 91 (stronger) |
| Peer percentile | 24th | 71st |
| Total assets | $323.3M | $975.7M |
| Deposits / shares | $268.7M | $848.5M |
| Capital ratio | 9.12% | 12.18% (stronger) |
| Problem loans | 0.33% (stronger) | 0.85% |
| Net charge-offs | -0.01% (stronger) | 0.52% |
| Return on assets | 0.61% | 1.39% (stronger) |
| Loans ÷ deposits | 72.7% | 72.4% (stronger) |
| Uninsured deposits | 24.2% | 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 63). On the 7 directional measures above (where higher or lower is clearly better), Huron Community Bank 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
- Lincoln, MI
- Tawas City, MI