Side-by-side · Q2 2026 data
Huron State Bank vs Alpena-Alcona Area Credit Union
Metric by metric
| Measure | Huron State Bank | Alpena-Alcona Area Credit Union |
|---|---|---|
| TellerScore | 63 | 77 (stronger) |
| Capital cushion | 74 (stronger) | 72 |
| Loan quality | 32 | 72 (stronger) |
| Earnings | 60 | 76 (stronger) |
| Funding & liquidity | 85 | 88 (stronger) |
| Problem-loan coverage | 79 | 91 (stronger) |
| Peer percentile | 22nd | 71st |
| Total assets | $95.1M | $975.7M |
| Deposits / shares | $82.4M | $848.5M |
| Capital ratio | 12.44% (stronger) | 12.18% |
| Problem loans | 2.05% | 0.85% (stronger) |
| Net charge-offs | -0.05% (stronger) | 0.52% |
| Return on assets | 1.00% | 1.39% (stronger) |
| Loans ÷ deposits | 74.8% | 72.4% (stronger) |
| Uninsured deposits | 12.9% | 11.3% (stronger) |
| Offices | 1 | 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 State Bank leads on 2 and Alpena-Alcona Area Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Rogers City, MI