Side-by-side · Q2 2026 data
PNC Bank, National Association vs Alpena-Alcona Area Credit Union
Metric by metric
| Measure | PNC Bank, National Association | Alpena-Alcona Area Credit Union |
|---|---|---|
| TellerScore | 62 | 77 (stronger) |
| Capital cushion | 40 | 72 (stronger) |
| Loan quality | 75 (stronger) | 72 |
| Earnings | 73 | 76 (stronger) |
| Funding & liquidity | 48 | 88 (stronger) |
| Problem-loan coverage | 92 (stronger) | 91 |
| Peer percentile | 53rd | 71st |
| Total assets | $609.8B | $975.7M |
| Deposits / shares | $457.8B | $848.5M |
| Capital ratio | 8.98% | 12.18% (stronger) |
| Problem loans | 0.74% (stronger) | 0.85% |
| Net charge-offs | 0.24% (stronger) | 0.52% |
| Return on assets | 1.32% | 1.39% (stronger) |
| Loans ÷ deposits | 79.7% | 72.4% (stronger) |
| Uninsured deposits | 44.8% | 11.3% (stronger) |
| Offices | 2,305 | 11 |
| CFPB complaints (3 yrs) | 9,281 | — |
| Complaints per $1B deposits | 20.3 | — |
| Mortgage denial rate (HMDA) | 33.8% | — |
Alpena-Alcona Area Credit Union has the higher TellerScore (77 vs 62). On the 7 directional measures above (where higher or lower is clearly better), PNC Bank, National Association 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
- Oscoda, MI
- Cheboygan, MI