TellerScore

Alpena-Alcona Area Credit Union (NCUA charter #62035) is based in Alpena, Michigan. Its Q2 2026 call report shows $975.7M in total assets and $848.5M in member shares and deposits and 11 offices.

Based on its Q2 2026 filing, Alpena-Alcona Area Credit Union scores 77/100, which we describe as strong. That is higher than 71% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 58th. Its strongest component is problem-loan coverage (91/100; 4.7%), and its lowest is loan quality (72/100; 0.85%).

TellerScore · Q2 2026

Scorecard

Capital cushion72/100
Net worth ratio: 12.18%
Loan quality72/100
Loans 60+ days delinquent ÷ total loans: 0.85%
Earnings76/100
Return on assets (annualized): 1.39%
Funding & liquidity88/100
Loans ÷ shares: 72.4% · 11.3% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.73%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (78 → 77).

TellerScore
767880Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202476
Q3 202477
Q4 202476
Q1 202580
Q2 202578
Q3 202579
Q4 202577
Q1 202680
Q2 202677
Net worth ratio
7.00%9.59%12.18%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202411.42%
Q3 202411.53%
Q4 202411.49%
Q1 202511.59%
Q2 202511.70%
Q3 202511.95%
Q4 202512.04%
Q1 202612.08%
Q2 202612.18%
Delinquent loans (60+ days)
0.50%0.67%0.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.73%
Q3 20240.72%
Q4 20240.72%
Q1 20250.50%
Q2 20250.64%
Q3 20250.73%
Q4 20250.79%
Q1 20260.61%
Q2 20260.85%
Return on assets
1.25%1.41%1.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.29%
Q3 20241.35%
Q4 20241.25%
Q1 20251.46%
Q2 20251.49%
Q3 20251.57%
Q4 20251.44%
Q1 20261.53%
Q2 20261.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$975.7M12.18%0.85%1.39%72.4%
Q1 202680$957.6M12.08%0.61%1.53%70.6%
Q4 202577$930.8M12.04%0.79%1.44%72.6%
Q3 202579$918.8M11.95%0.73%1.57%71.6%
Q2 202578$902.9M11.70%0.64%1.49%70.0%
Q1 202580$881.7M11.59%0.50%1.46%67.2%
Q4 202476$861.4M11.49%0.72%1.25%67.7%
Q3 202477$841.8M11.53%0.72%1.35%66.5%
Q2 202476$821.6M11.42%0.73%1.29%65.9%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.18%
60th
Problem loans0.85%
39th
Net charge-offs0.52%
33rd
Return on assets1.39%
85th
Loans to deposits72.4%
56th
Uninsured deposits11.3%
13th
Loan-loss reserves0.00%
50th
Texas ratio4.7%
43rd

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
True Community Credit UnionCredit union Jackson, MI63 out of 100, Moderate$955.0M11.6%1.59%vs
Tlc Community Credit UnionCredit union Adrian, MI90 out of 100, Very strong$950.2M14.5%0.14%vs
Members First Credit UnionCredit union Midland, MI63 out of 100, Moderate$905.4M9.2%0.65%vs
Arbor Financial Credit UnionCredit union Kalamazoo, MI55 out of 100, Moderate$899.0M10.6%1.81%vs
Pfcu Credit UnionCredit union Portland, MI77 out of 100, Strong$873.2M11.3%0.37%vs
Team One Credit UnionCredit union Saginaw, MI66 out of 100, Moderate$765.9M9.9%0.64%vs

Deposit insurance

Is my money safe at Alpena-Alcona Area Credit Union?

Yes. Alpena-Alcona Area Credit Union is a federally insured credit union (NCUA charter #62035). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 11.3% of shares and deposits ($95.7M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.18%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

11 locations

Branches

Alpena-Alcona Area Credit Union lists 11 offices in 8 cities. Most locations:

  • Alpena, MI (3)
  • Oscoda, MI (2)
  • Cheboygan, MI (1)
  • Lincoln, MI (1)
  • Ossineke, MI (1)
  • Posen, MI (1)
  • Rogers City, MI (1)
  • Tawas City, MI (1)

All branch addresses and map

Identity & history

Profile

Legal name
Alpena-Alcona Area Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
62035
RSSD ID
793197
Primary regulator
State + NCUA
Established
1953
Headquarters
PO Box 515, Alpena, MI 49707
Employees
158

Quick answers

Alpena-Alcona Area Credit Union: common questions

Is Alpena-Alcona Area Credit Union NCUA insured?

Yes. Alpena-Alcona Area Credit Union is a federally insured credit union (NCUA charter #62035). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Alpena-Alcona Area Credit Union's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Alpena-Alcona Area Credit Union have?

11 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Alpena

InstitutionScoreAssetsCapitalProblem loansCompare
Alpena Community Credit UnionCredit union Alpena, MI90 out of 100, Very strong$35.6M14.0%0.21%vs
H.P.C. Credit UnionCredit union Alpena, MI68 out of 100, Moderate$171.9M13.6%1.86%vs
Northland Area Federal Credit UnionCredit union Alpena, MI65 out of 100, Moderate$714.4M10.3%0.88%vs
Nicolet National BankBank Green Bay, WI64 out of 100, Moderate$15.4B9.6%0.63%vs
PNC Bank, National AssociationBank Wilmington, DE62 out of 100, Moderate$609.8B9.0%0.74%vs
Wolverine State Credit UnionCredit union Alpena, MI60 out of 100, Moderate$172.9M9.6%0.71%vs