Side-by-side · Q2 2026 data
Northland Area Federal Credit Union vs Alpena-Alcona Area Credit Union
Metric by metric
| Measure | Northland Area Federal Credit Union | Alpena-Alcona Area Credit Union |
|---|---|---|
| TellerScore | 65 | 77 (stronger) |
| Capital cushion | 53 | 72 (stronger) |
| Loan quality | 71 | 72 (stronger) |
| Earnings | 50 | 76 (stronger) |
| Funding & liquidity | 87 | 88 (stronger) |
| Problem-loan coverage | 85 | 91 (stronger) |
| Peer percentile | 34th | 71st |
| Total assets | $714.4M | $975.7M |
| Deposits / shares | $648.9M | $848.5M |
| Capital ratio | 10.33% | 12.18% (stronger) |
| Problem loans | 0.88% | 0.85% (stronger) |
| Net charge-offs | 0.20% (stronger) | 0.52% |
| Return on assets | 0.76% | 1.39% (stronger) |
| Loans ÷ deposits | 73.3% | 72.4% (stronger) |
| Uninsured deposits | 4.5% (stronger) | 11.3% |
| Offices | 15 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alpena-Alcona Area Credit Union has the higher TellerScore (77 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Northland Area Federal Credit Union 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
- Alpena, MI
- Oscoda, MI
- Tawas City, MI