State credit union · Alpena, Michigan · NCUA charter #62035
Alpena-Alcona Area
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $930.8M
- Total assets
- 49,171
- Members
- 12.1%
- Net-worth ratio
Alpena-Alcona Area scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $930.8M; members 49,171; net-worth ratio 12.08%; health rank #505 of 4,374; healthier than 87th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#505 of 4,374 health · 2025Q4Alpena-Alcona Area · health 94/100 · $930.8M · 2025Q4
Call Report peers
Alpena-Alcona Area in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Alpena-Alcona Area vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Alpena-Alcona Area sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Alpena-Alcona Area: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 12.08% vs peer 11.18% (+0.90 pp).
- Loan-to-Share Ratio trails the peer set - 72.57% here, 83.90% peer average (-11.33 pp).
Alpena-Alcona Area in Michigan
- In Michigan, health place is #18 of 171 on the same NCUA-ratio sort used nationally.
- Michigan assets place: #29 of 171.
- Membership ranks #34 of 171 among Michigan CUs with a reported count (49,171 members).
- One place up in Michigan, St. Francis X (#17) ties at 94/100; one place down, HARBORLIGHT (#19) ties at 94/100.
Alpena-Alcona Area Call Report trajectory
Alpena-Alcona Area: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $930.8M (2025Q4) to $957.6M (2026Q1).
- Net-worth ratio shifted +0.04 pp (12.04% → 12.08%).
This credit union's 12.08% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
Alpena-Alcona Area gives up 6 points in total. Delinquency Rate costs the most, 2.9 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.1 pts
- Return on Assets 15.0 pts
- Member Growth 12.3 pts
- Loan-to-Share Ratio 14.6 pts
Alpena-Alcona Area vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.08% | +0.90 pp |
| Delinquency Rate | 0.79% | -0.09 pp |
| Return on Assets | 1.15% | +0.65 pp |
| Member Growth | 2.71% | - |
| Loan-to-Share Ratio | 72.57% | -11.33 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Alpena-Alcona Area quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $957.6M | - |
| 2025Q4 | $930.8M | 49,171 |
| 2024Q4 | $861.4M | 47,873 |
| 2023Q4 | $775.5M | 46,181 |
Credit Union Details
- Charter Number
- 62035
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Alpena
- Data Quarter
- 2025Q4
Branch Locations (13)
Alpena-Alcona Area operates 13 offices across 9 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Alpena Office (Main Office) | Alpena, MI |
| Alpena North Office | Alpena, MI |
| Wildcat Branch | Alpena, MI |
| Atlanta Office | Atlanta, MI |
| Cheboygan Office | Cheboygan, MI |
| Lincoln Office | Lincoln, MI |
| Tiger Branch | Lincoln, MI |
| Oscoda Office | Oscoda, MI |
| Owl's Nest | Oscoda, MI |
| Ossineke Office | Ossineke, MI |
| Posen Branch | Posen, MI |
| Rogers City Office | Rogers City, MI |
| Tawas Office | Tawas City, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Alpena-Alcona Area nationwide neighbourhoods
Using this data
- Alpena-Alcona Area ranks #505 of 4,374 nationally on financial health and #18 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- True Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with True Community
Frequently Asked Questions
Is Alpena-Alcona Area financially healthy?
Alpena-Alcona Area has a financial health score of 94/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #505 of 4,374 nationally on health and #18 of 171 in Michigan. Its net worth ratio is 12.08% and its delinquency rate 0.79%.
How does Alpena-Alcona Area compare to other credit unions?
Alpena-Alcona Area scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (12.08% vs 11.18%). Its widest shortfall is loan-to-share ratio (72.57% vs 83.90%).
How can I join Alpena-Alcona Area?
Membership eligibility for Alpena-Alcona Area depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Alpena-Alcona Area directly for current membership requirements and application steps.
Is my money safe at Alpena-Alcona Area?
Alpena-Alcona Area is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Alpena-Alcona Area's net worth ratio of 12.08% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.