Side-by-side · Q2 2026 data
Settlers Federal Credit Union vs Alpena Community Credit Union
Credit union
Settlers Federal Credit Union
Bruce Crossing, Michigan · Under $100 million in assets
Metric by metric
| Measure | Settlers Federal Credit Union | Alpena Community Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 90 |
| Capital cushion | 100 (stronger) | 90 |
| Loan quality | 74 | 93 (stronger) |
| Earnings | 100 (stronger) | 75 |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 92nd | 89th |
| Total assets | $37.8M | $35.6M |
| Deposits / shares | $30.2M | $30.2M |
| Capital ratio | 19.67% (stronger) | 14.04% |
| Problem loans | 0.79% | 0.21% (stronger) |
| Net charge-offs | -0.63% (stronger) | 0.01% |
| Return on assets | 2.24% (stronger) | 1.37% |
| Loans ÷ deposits | 66.4% | 51.8% (stronger) |
| Uninsured deposits | 2.5% (stronger) | 3.2% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Settlers Federal Credit Union has the higher TellerScore (92 vs 90). On the 7 directional measures above (where higher or lower is clearly better), Settlers Federal Credit Union leads on 5 and Alpena Community Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.