State credit union · Alpena, Michigan · NCUA charter #62264
Alpena Community
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $34.9M
- Total assets
- 2,255
- Members
- 13.8%
- Net-worth ratio
Alpena Community scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $34.9M; members 2,255; net-worth ratio 13.75%; health rank #1,787 of 4,374; healthier than 57th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,787 of 4,374 health · 2025Q4Alpena Community · health 86/100 · $34.9M · 2025Q4
- ASSETS 86/100
- MEM 13.8%
- RANK 0.10%
- PHOTO 2.64%
- BOOK $34.9M
- CHARTER 2,255
- NCUSIF #1,787/4,374
- CAMELS VASCO
- HEALTH 62264
Call Report peers
Alpena Community in the assets neighbourhood
Alpena Community's $34.9M assets sit next to VASCO ($34.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Alpena Community vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
86 Top 43% higher than 57% 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 Community - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #62264, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Alpena Community diverges from peer averages
- Return on Assets leads the peer set - 2.64% here, 0.70% peer average (+1.93 pp).
- Loan-to-Share Ratio trails the peer set - 53.46% here, 59.80% peer average (-6.34 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Alpena Community in Michigan
- In Michigan, health place is #87 of 171 on the same NCUA-ratio sort used nationally.
- Michigan assets place: #148 of 171.
- Membership ranks #152 of 171 among Michigan CUs with a reported count (2,255 members).
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Alpena Community: 2025Q4 → 2026Q1
Alpena Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.7% from $34.9M (2025Q4) to $35.5M (2026Q1).
- Net-worth ratio shifted +0.12 pp (13.63% → 13.75%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.75% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 4.9 pts
- Loan-to-Share Ratio 11.1 pts
Call Report ratios for Alpena Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.75% | -1.11 pp |
| Delinquency Rate | 0.10% | -1.05 pp |
| Return on Assets | 2.64% | +1.93 pp |
| Member Growth | -2.25% | - |
| Loan-to-Share Ratio | 53.46% | -6.34 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Call Report history - Alpena Community
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $35.5M | - |
| 2025Q4 | $34.9M | 2,255 |
| 2024Q4 | $32.6M | 2,307 |
| 2023Q4 | $31.6M | 2,330 |
Credit Union Details
- Charter Number
- 62264
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Michigan
- City
- Alpena
- Data Quarter
- 2025Q4
Branch Location
Alpena Community operates a single office in Alpena, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Alpena Community Credit Union Main Office (Main Office) | Alpena, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
Cross-state Call Report peers for Alpena Community
Two NCUA Call Report peer sets for Alpena Community, both outside Michigan so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($34.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- Alpena Community ranks #1,787 of 4,374 nationally on financial health and #87 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GRACO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GRACO
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Alpena Community financially healthy?
A 13.75% net worth ratio and a 0.10% delinquency rate feed into Alpena Community's financial health score of 86/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,787 of 4,374; by total assets it ranks #2,723 of 4,374 nationally (same basis as /rankings/largest); and #148 of 171 within Michigan. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Alpena Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Alpena Community's 86/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Alpena Community?
Membership eligibility for Alpena Community depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Alpena Community directly for current membership requirements and application steps.
Is my money safe at Alpena Community?
Federal credit unions like Alpena Community are 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 Community's net worth ratio of 13.75% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Alpena Community offer compared to banks?
Credit unions like Alpena Community are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Alpena Community directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.