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
Call Report peers
H.P.C. in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); H.P.C. sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Michigan, Kellogg Community (#8) ties at 95/100; one place down, BREAKWATER (#10) ties at 95/100.
Quarter path for H.P.C.
H.P.C.: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +7.6% from $158.9M (2025Q4) to $171.0M (2026Q1).
- Net-worth ratio shifted -0.79 pp (14.31% → 13.52%).
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
H.P.C. gives up 5 points in total. Member Growth costs the most, 4.2 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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.
Similar total assets
Similar health score
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
Frequently Asked Questions
Is H.P.C. financially healthy?
On its 2025Q4 NCUA 5300 filing, H.P.C. scores 95/100 (Excellent), with a 13.52% net worth ratio and 0.54% of loans delinquent. It ranks #355 of 4,374 nationally on health and #9 of 171 in Michigan.
How does H.P.C. compare to other credit unions?
H.P.C. scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.52% vs 12.11%). Its widest shortfall is loan-to-share ratio (69.11% vs 72.20%).
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.?
H.P.C. 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. H.P.C.'s net worth ratio of 13.52% 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.