State credit union · ALPENA, Michigan · NCUA charter #62219
H.P.C.
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $158.9M
- Total assets
- 7,582
- Members
- 13.5%
- Net-worth ratio
H.P.C. scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $158.9M; members 7,582; net-worth ratio 13.52%; health rank #355 of 4,374; healthier than 90th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#355 of 4,374 health · 2025Q4H.P.C. · health 95/100 · $158.9M · 2025Q4
- DELQ 95/100
- ROA 13.5%
- ASSETS 0.54%
- MEM 0.82%
- RANK $158.9M
- PHOTO 7,582
- BOOK #355/4,374
- CHARTER Minnesota Power Employees
- NCUSIF 62219
Call Report peers
H.P.C. in the assets neighbourhood
H.P.C.'s $158.9M assets sit next to Minnesota Power Employees ($158.9M) 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.
H.P.C. 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
95 Top 10% higher than 90% 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
H.P.C. - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #62219: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where H.P.C. diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 13.52% vs peer 12.11% (+1.41 pp).
- Loan-to-Share Ratio trails the peer set - 69.11% here, 72.20% peer average (-3.09 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Michigan standing for H.P.C.
- In Michigan, health place is #9 of 171 on the same NCUA-ratio sort used nationally.
- Assets rank #91 of 171 inside Michigan ($158.9M reported).
- Member book place in Michigan: #108 of 171.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for H.P.C.
H.P.C.: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +7.6% from $158.9M (2025Q4) to $171.0M (2026Q1).
- Net-worth ratio shifted -0.79 pp (14.31% → 13.52%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.52% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.6 pts
- Return on Assets 15.0 pts
- Member Growth 10.8 pts
- Loan-to-Share Ratio 14.6 pts
H.P.C. vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.52% | +1.41 pp |
| Delinquency Rate | 0.54% | -0.36 pp |
| Return on Assets | 0.82% | +0.19 pp |
| Member Growth | 1.47% | - |
| Loan-to-Share Ratio | 69.11% | -3.09 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
H.P.C. quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $171.0M | - |
| 2025Q4 | $158.9M | 7,582 |
| 2024Q4 | $154.0M | 7,472 |
| 2023Q4 | $158.0M | 7,310 |
Credit Union Details
- Charter Number
- 62219
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- ALPENA
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for H.P.C., spread across 3 cities.
| Office | City |
|---|---|
| H.P.C. CREDIT UNION - MAIN OFFICE (Main Office) | ALPENA, MI |
| H.P.C. Credit Union - Branch Office #1 | Alpena, MI |
| H.P.C. Credit Union - Branch Office #3 | Mio, 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.
Cross-state Call Report peers for H.P.C.
Two NCUA Call Report peer sets for H.P.C., 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 ($158.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- H.P.C. ranks #355 of 4,374 nationally on financial health and #9 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HARBORLIGHT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HARBORLIGHT
- 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 H.P.C. financially healthy?
Yes/no aside, the number is 95/100 (Excellent) - H.P.C.'s financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #355 of 4,374; by total assets it ranks #1,456 of 4,374 nationally (same basis as /rankings/largest); and #91 of 171 within Michigan. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.52% net worth ratio and 0.54% delinquency rate are the key drivers.
How does H.P.C. compare to other credit unions?
H.P.C. scores 95/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 H.P.C.?
Membership eligibility for H.P.C. depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact H.P.C. directly for current membership requirements and application steps.
Is my money safe at H.P.C.?
Federal credit unions like H.P.C. 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. H.P.C.'s net worth ratio of 13.52% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does H.P.C. offer compared to banks?
Credit unions like H.P.C. 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 H.P.C. 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.