Side-by-side · Q2 2026 data
Northland Area Federal Credit Union vs Alpena Community Credit Union
Metric by metric
| Measure | Northland Area Federal Credit Union | Alpena Community Credit Union |
|---|---|---|
| TellerScore | 65 | 90 (stronger) |
| Capital cushion | 53 | 90 (stronger) |
| Loan quality | 71 | 93 (stronger) |
| Earnings | 50 | 75 (stronger) |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 85 | 99 (stronger) |
| Peer percentile | 34th | 89th |
| Total assets | $714.4M | $35.6M |
| Deposits / shares | $648.9M | $30.2M |
| Capital ratio | 10.33% | 14.04% (stronger) |
| Problem loans | 0.88% | 0.21% (stronger) |
| Net charge-offs | 0.20% | 0.01% (stronger) |
| Return on assets | 0.76% | 1.37% (stronger) |
| Loans ÷ deposits | 73.3% | 51.8% (stronger) |
| Uninsured deposits | 4.5% | 3.2% (stronger) |
| Offices | 15 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alpena Community Credit Union has the higher TellerScore (90 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Northland Area Federal Credit Union 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.