Side-by-side · Q2 2026 data
Northland Area Federal Credit Union vs H.P.C. Credit Union
Metric by metric
| Measure | Northland Area Federal Credit Union | H.P.C. Credit Union |
|---|---|---|
| TellerScore | 65 | 68 (stronger) |
| Capital cushion | 53 | 86 (stronger) |
| Loan quality | 71 (stronger) | 38 |
| Earnings | 50 | 52 (stronger) |
| Funding & liquidity | 87 | 92 (stronger) |
| Problem-loan coverage | 85 (stronger) | 83 |
| Peer percentile | 34th | 45th |
| Total assets | $714.4M | $171.9M |
| Deposits / shares | $648.9M | $148.0M |
| Capital ratio | 10.33% | 13.63% (stronger) |
| Problem loans | 0.88% (stronger) | 1.86% |
| Net charge-offs | 0.20% (stronger) | 0.27% |
| Return on assets | 0.76% | 0.81% (stronger) |
| Loans ÷ deposits | 73.3% | 68.0% (stronger) |
| Uninsured deposits | 4.5% (stronger) | 9.2% |
| Offices | 15 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
H.P.C. Credit Union has the higher TellerScore (68 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Northland Area Federal Credit Union leads on 3 and H.P.C. Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Alpena, MI
- Mio, MI