Side-by-side · Q2 2026 data
Straits Area Federal Credit Union vs Alpena-Alcona Area Credit Union
Credit union
Straits Area Federal Credit Union
Cheboygan, Michigan · $100 million – $1 billion
Metric by metric
| Measure | Straits Area Federal Credit Union | Alpena-Alcona Area Credit Union |
|---|---|---|
| TellerScore | 59 | 77 (stronger) |
| Capital cushion | 67 | 72 (stronger) |
| Loan quality | 8 | 72 (stronger) |
| Earnings | 71 | 76 (stronger) |
| Funding & liquidity | 100 (stronger) | 88 |
| Problem-loan coverage | 80 | 91 (stronger) |
| Peer percentile | 19th | 71st |
| Total assets | $132.4M | $975.7M |
| Deposits / shares | $115.6M | $848.5M |
| Capital ratio | 11.74% | 12.18% (stronger) |
| Problem loans | 2.77% | 0.85% (stronger) |
| Net charge-offs | 0.33% (stronger) | 0.52% |
| Return on assets | 1.27% | 1.39% (stronger) |
| Loans ÷ deposits | 46.8% (stronger) | 72.4% |
| Uninsured deposits | 2.8% (stronger) | 11.3% |
| Offices | 4 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alpena-Alcona Area Credit Union has the higher TellerScore (77 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Straits Area Federal Credit Union leads on 3 and Alpena-Alcona Area Credit Union on 4. 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
- Cheboygan, MI