Side-by-side · Q2 2026 data
Nicolet National Bank vs Alpena-Alcona Area Credit Union
Metric by metric
| Measure | Nicolet National Bank | Alpena-Alcona Area Credit Union |
|---|---|---|
| TellerScore | 64 | 77 (stronger) |
| Capital cushion | 46 | 72 (stronger) |
| Loan quality | 79 (stronger) | 72 |
| Earnings | 67 | 76 (stronger) |
| Funding & liquidity | 54 | 88 (stronger) |
| Problem-loan coverage | 94 (stronger) | 91 |
| Peer percentile | 46th | 71st |
| Total assets | $15.4B | $975.7M |
| Deposits / shares | $13.0B | $848.5M |
| Capital ratio | 9.64% | 12.18% (stronger) |
| Problem loans | 0.63% (stronger) | 0.85% |
| Net charge-offs | 0.03% (stronger) | 0.52% |
| Return on assets | 1.17% | 1.39% (stronger) |
| Loans ÷ deposits | 86.0% | 72.4% (stronger) |
| Uninsured deposits | 33.2% | 11.3% (stronger) |
| Offices | 110 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.5% | — |
Alpena-Alcona Area Credit Union has the higher TellerScore (77 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Nicolet National 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
- Alpena, MI
- Cheboygan, MI