H.P.C. Credit Union is a federally insured state-chartered credit union headquartered in Alpena, Michigan, in business for about 76 years. At the end of Q2 2026 it reported $171.9M in total assets and $148.0M in member shares and deposits, with 3 offices.
Based on its Q2 2026 filing, H.P.C. Credit Union scores 68/100, which we describe as moderate. That is higher than only 45% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 114th. Its strongest component is funding & liquidity (92/100; 68% loans-to-deposits, 9% uninsured), and its lowest is loan quality (38/100; 1.86%).
TellerScore · Q2 2026
Scorecard
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
From Q2 2025 to Q2 2026, the score fell 13 points (81 → 68), mostly because the loan quality component weakened by 49 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 89 |
| Q4 2024 | 84 |
| Q1 2025 | 82 |
| Q2 2025 | 81 |
| Q3 2025 | 83 |
| Q4 2025 | 82 |
| Q1 2026 | 85 |
| Q2 2026 | 68 |
Show as table
| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.48% |
| Q3 2024 | 14.12% |
| Q4 2024 | 14.00% |
| Q1 2025 | 14.06% |
| Q2 2025 | 14.09% |
| Q3 2025 | 14.38% |
| Q4 2025 | 14.31% |
| Q1 2026 | 13.52% |
| Q2 2026 | 13.63% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.35% |
| Q3 2024 | 0.01% |
| Q4 2024 | 0.28% |
| Q1 2025 | 0.32% |
| Q2 2025 | 0.40% |
| Q3 2025 | 0.39% |
| Q4 2025 | 0.54% |
| Q1 2026 | 0.16% |
| Q2 2026 | 1.86% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.83% |
| Q3 2024 | 1.15% |
| Q4 2024 | 0.84% |
| Q1 2025 | 0.66% |
| Q2 2025 | 0.64% |
| Q3 2025 | 0.71% |
| Q4 2025 | 0.74% |
| Q1 2026 | 0.91% |
| Q2 2026 | 0.81% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $171.9M | 13.63% | 1.86% | 0.81% | 68.0% |
| Q1 2026 | 85 | $171.0M | 13.52% | 0.16% | 0.91% | 65.7% |
| Q4 2025 | 82 | $158.9M | 14.31% | 0.54% | 0.74% | 69.1% |
| Q3 2025 | 83 | $155.8M | 14.38% | 0.39% | 0.71% | 70.8% |
| Q2 2025 | 81 | $156.6M | 14.09% | 0.40% | 0.64% | 69.9% |
| Q1 2025 | 82 | $155.1M | 14.06% | 0.32% | 0.66% | 70.1% |
| Q4 2024 | 84 | $154.0M | 14.00% | 0.28% | 0.84% | 68.9% |
| Q3 2024 | 89 | $152.8M | 14.12% | 0.01% | 1.15% | 69.3% |
| Q2 2024 | 82 | $155.1M | 13.48% | 0.35% | 0.83% | 63.3% |
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).
Similar-size credit unions in Michigan
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Wolverine State Credit UnionCredit union Alpena, MI | 60 out of 100, Moderate | $172.9M | 9.6% | 0.71% | vs |
| Harborlight Credit UnionCredit union Whitehall, MI | 76 out of 100, Strong | $170.1M | 11.3% | 0.35% | vs |
| Family Financial Credit UnionCredit union Norton Shores, MI | 66 out of 100, Moderate | $175.6M | 11.1% | 0.89% | vs |
| Health Advantage Federal Credit UnionCredit union Saginaw, MI | 82 out of 100, Strong | $179.3M | 13.4% | 0.33% | vs |
| Wayne-Westland Federal Credit UnionCredit union Westland, MI | 83 out of 100, Strong | $161.2M | 11.3% | 0.47% | vs |
| Safe Harbor Credit UnionCredit union Ludington, MI | 44 out of 100, Below average | $183.8M | 9.4% | 2.33% | vs |
Deposit insurance
Is my money safe at H.P.C. Credit Union?
Yes. H.P.C. Credit Union is a federally insured credit union (NCUA charter #62219). 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 9.2% of shares and deposits ($13.6M) 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 13.63%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
H.P.C. Credit Union lists 3 offices in 2 cities. Most locations:
- Alpena, MI (2)
- Mio, MI (1)
Identity & history
Profile
- Legal name
- H.P.C. Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 62219
- RSSD ID
- 207694
- Primary regulator
- State + NCUA
- Established
- 1950
- Headquarters
- 1234 W Chisholm St, Alpena, MI 49707
- Employees
- 32
Quick answers
H.P.C. Credit Union: common questions
Is H.P.C. Credit Union NCUA insured?
Yes. H.P.C. Credit Union is a federally insured credit union (NCUA charter #62219). 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 H.P.C. Credit Union's TellerScore?
68 out of 100 (Moderate), 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 H.P.C. Credit Union have?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Alpena
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Alpena Community Credit UnionCredit union Alpena, MI | 90 out of 100, Very strong | $35.6M | 14.0% | 0.21% | vs |
| Alpena-Alcona Area Credit UnionCredit union Alpena, MI | 77 out of 100, Strong | $975.7M | 12.2% | 0.85% | vs |
| Northland Area Federal Credit UnionCredit union Alpena, MI | 65 out of 100, Moderate | $714.4M | 10.3% | 0.88% | vs |
| Nicolet National BankBank Green Bay, WI | 64 out of 100, Moderate | $15.4B | 9.6% | 0.63% | vs |
| PNC Bank, National AssociationBank Wilmington, DE | 62 out of 100, Moderate | $609.8B | 9.0% | 0.74% | vs |
| Wolverine State Credit UnionCredit union Alpena, MI | 60 out of 100, Moderate | $172.9M | 9.6% | 0.71% | vs |