Side-by-side · Q2 2026 data
Nicolet National Bank vs Alpena Community Credit Union
Metric by metric
| Measure | Nicolet National Bank | Alpena Community Credit Union |
|---|---|---|
| TellerScore | 64 | 90 (stronger) |
| Capital cushion | 46 | 90 (stronger) |
| Loan quality | 79 | 93 (stronger) |
| Earnings | 67 | 75 (stronger) |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 46th | 89th |
| Total assets | $15.4B | $35.6M |
| Deposits / shares | $13.0B | $30.2M |
| Capital ratio | 9.64% | 14.04% (stronger) |
| Problem loans | 0.63% | 0.21% (stronger) |
| Net charge-offs | 0.03% | 0.01% (stronger) |
| Return on assets | 1.17% | 1.37% (stronger) |
| Loans ÷ deposits | 86.0% | 51.8% (stronger) |
| Uninsured deposits | 33.2% | 3.2% (stronger) |
| Offices | 110 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.5% | — |
Alpena Community Credit Union has the higher TellerScore (90 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Nicolet National Bank leads on 0 and Alpena Community Credit Union on 7. 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.