TellerScore

Northland Area Federal Credit Union (NCUA charter #11979) is based in Alpena, Michigan. Its Q2 2026 call report shows $714.4M in total assets and $648.9M in member shares and deposits and 15 offices.

Northland Area Federal Credit Union has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 133rd. Funding & liquidity contributes the most (87/100, 73% loans-to-deposits, 4% uninsured); earnings contributes the least (50/100, 0.76%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.33%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.88%
Earnings50/100
Return on assets (annualized): 0.76%
Funding & liquidity87/100
Loans ÷ shares: 73.3% · 4.5% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.25%

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 rose 3 points (62 → 65), mostly because the loan quality component improved by 5 points.

TellerScore
616365Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202463
Q4 202464
Q1 202565
Q2 202562
Q3 202565
Q4 202564
Q1 202665
Q2 202665
Net worth ratio
7.00%8.66%10.33%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.71%
Q3 20249.96%
Q4 202410.30%
Q1 202510.11%
Q2 202510.04%
Q3 202510.06%
Q4 202510.00%
Q1 202610.18%
Q2 202610.33%
Delinquent loans (60+ days)
0.69%0.85%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.85%
Q3 20240.82%
Q4 20240.81%
Q1 20250.69%
Q2 20251.01%
Q3 20250.77%
Q4 20250.77%
Q1 20260.82%
Q2 20260.88%
Return on assets
0.40%0.58%0.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.40%
Q3 20240.48%
Q4 20240.53%
Q1 20250.56%
Q2 20250.65%
Q3 20250.61%
Q4 20250.54%
Q1 20260.59%
Q2 20260.76%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$714.4M10.33%0.88%0.76%73.3%
Q1 202665$708.4M10.18%0.82%0.59%72.3%
Q4 202564$710.7M10.00%0.77%0.54%73.1%
Q3 202565$701.0M10.06%0.77%0.61%72.0%
Q2 202562$692.8M10.04%1.01%0.65%72.0%
Q1 202565$675.1M10.11%0.69%0.56%72.3%
Q4 202464$653.4M10.30%0.81%0.53%74.1%
Q3 202463$665.0M9.96%0.82%0.48%73.8%
Q2 202461$671.8M9.71%0.85%0.40%72.2%

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 ratio10.33%
34th
Problem loans0.88%
37th
Net charge-offs0.20%
70th
Return on assets0.76%
52nd
Loans to deposits73.3%
55th
Uninsured deposits4.5%
66th
Loan-loss reserves0.00%
50th
Texas ratio7.3%
24th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Alliance Catholic Credit UnionCredit union Farmington Hill, MI78 out of 100, Strong$718.5M12.4%0.36%vs
Team One Credit UnionCredit union Saginaw, MI66 out of 100, Moderate$765.9M9.9%0.64%vs
Omni Community Credit UnionCredit union Battle Creek, MI90 out of 100, Very strong$662.0M16.3%0.75%vs
American 1 Credit UnionCredit union Jackson, MI65 out of 100, Moderate$661.3M15.6%2.07%vs
Security Credit UnionCredit union Grand Blanc, MI58 out of 100, Moderate$653.2M9.8%0.80%vs
Adventure Credit UnionCredit union Grand Rapids, MI67 out of 100, Moderate$645.9M11.5%0.73%vs

Deposit insurance

Is my money safe at Northland Area Federal Credit Union?

Yes. Northland Area Federal Credit Union is a federally insured credit union (NCUA charter #11979). 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 4.5% of shares and deposits ($29.2M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.33%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

15 locations

Branches

Northland Area Federal Credit Union lists 15 offices in 14 cities. Most locations:

  • West Branch, MI (2)
  • Alpena, MI (1)
  • Au Gres, MI (1)
  • Evart, MI (1)
  • Gaylord, MI (1)
  • Grayling, MI (1)
  • Hale, MI (1)
  • Harrisville, MI (1)
  • Houghton Lake, MI (1)
  • Kalkaska, MI (1)
  • Mio, MI (1)
  • Oscoda, MI (1)

All branch addresses and map

Identity & history

Profile

Legal name
Northland Area Federal Credit Union
Type
Federal credit union
NCUA charter #
11979
RSSD ID
273082
Primary regulator
NCUA
Established
1957
Headquarters
1161 N Bagley St, Alpena, MI 49707
Employees
156

Quick answers

Northland Area Federal Credit Union: common questions

Is Northland Area Federal Credit Union NCUA insured?

Yes. Northland Area Federal Credit Union is a federally insured credit union (NCUA charter #11979). 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 Northland Area Federal Credit Union's TellerScore?

65 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 Northland Area Federal Credit Union have?

15 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
Alpena-Alcona Area Credit UnionCredit union Alpena, MI77 out of 100, Strong$975.7M12.2%0.85%vs
H.P.C. Credit UnionCredit union Alpena, MI68 out of 100, Moderate$171.9M13.6%1.86%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