Side-by-side · Q2 2026 data
The First National Bank of St. Ignace vs Alpena-Alcona Area Credit Union
Metric by metric
| Measure | The First National Bank of St. Ignace | Alpena-Alcona Area Credit Union |
|---|---|---|
| TellerScore | 59 | 77 (stronger) |
| Capital cushion | 28 | 72 (stronger) |
| Loan quality | 78 (stronger) | 72 |
| Earnings | 45 | 76 (stronger) |
| Funding & liquidity | 83 | 88 (stronger) |
| Problem-loan coverage | 92 (stronger) | 91 |
| Peer percentile | 17th | 71st |
| Total assets | $335.8M | $975.7M |
| Deposits / shares | $316.3M | $848.5M |
| Capital ratio | 7.78% | 12.18% (stronger) |
| Problem loans | 0.65% (stronger) | 0.85% |
| Net charge-offs | 0.17% (stronger) | 0.52% |
| Return on assets | 0.63% | 1.39% (stronger) |
| Loans ÷ deposits | 35.1% (stronger) | 72.4% |
| Uninsured deposits | 30.1% | 11.3% (stronger) |
| Offices | 7 | 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), The First National Bank of St. Ignace leads on 3 and Alpena-Alcona Area Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.