Federal credit union · Alpena, Michigan · NCUA charter #11979
Northland Area
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $710.7M
- Total assets
- 46,276
- Members
- 10.2%
- Net-worth ratio
Northland Area scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $710.7M; members 46,276; net-worth ratio 10.18%; health rank #677 of 4,374; healthier than 84th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#677 of 4,374 health · 2025Q4Northland Area · health 93/100 · $710.7M · 2025Q4
Call Report peers
Northland Area in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Northland Area vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Northland Area sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Northland Area: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Delinquency Rate: -0.11 pp (0.77% vs 0.87%).
- Largest lag: Loan-to-Share Ratio at 73.09% vs peer 83.90% (-10.81 pp).
Northland Area: in-state Call Report ranks
- In Michigan, health place is #26 of 171 on the same NCUA-ratio sort used nationally.
- Michigan assets place: #36 of 171.
- Member book place in Michigan: #39 of 171.
- One place up in Michigan, ADVENTURE (#25) ties at 93/100; one place down, Omni Community (#27) scores 92/100, 1 point lower.
How Northland Area's 5300 filing moved
Northland Area: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.3% from $710.7M (2025Q4) to $708.4M (2026Q1).
- Net-worth ratio shifted +0.18 pp (10.00% → 10.18%).
This credit union's 10.18% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Northland Area gives up 7 points in total. Member Growth costs the most, 4.2 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.3 pts
- Return on Assets 14.8 pts
- Member Growth 10.8 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for Northland Area
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.18% | -1.00 pp |
| Delinquency Rate | 0.77% | -0.11 pp |
| Return on Assets | 0.49% | -0.02 pp |
| Member Growth | 1.46% | - |
| Loan-to-Share Ratio | 73.09% | -10.81 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - Northland Area
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $708.4M | - |
| 2025Q4 | $710.7M | 46,276 |
| 2024Q4 | $653.4M | 45,609 |
| 2023Q4 | $690.9M | 44,812 |
Credit Union Details
- Charter Number
- 11979
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Michigan
- City
- Alpena
- Data Quarter
- 2025Q4
Branch Locations (17)
Per its most recent NCUA branch filing, Northland Area runs 17 offices in 16 different cities.
| Office | City |
|---|---|
| Alpena Branch (Main Office) | Alpena, MI |
| Augres | Au Gres, MI |
| Evart | Evart, MI |
| Gaylord Branch | Gaylord, MI |
| Grayling Branch | Grayling, MI |
| Hale Branch | Hale, MI |
| Harrisville Branch | Harrisville, MI |
| Houghton Lake | Houghton Lake, MI |
| Kalkaska | Kalkaska, MI |
| Mio Branch | Mio, MI |
| Oscoda Branch | Oscoda, MI |
| Petoskey | Petoskey, MI |
| Skidway Branch | Prescott, MI |
| Reed City | Reed City, MI |
| Tawas Branch | Tawas City, MI |
| West Branch II | West Branch, MI |
| West Branch | West Branch, 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.
Other-state peers near Northland Area
Similar total assets
Using this data
- Northland Area ranks #677 of 4,374 nationally on financial health and #26 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Alliance Catholic is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Alliance Catholic
Frequently Asked Questions
Is Northland Area financially healthy?
On its 2025Q4 NCUA 5300 filing, Northland Area scores 93/100 (Excellent), with a 10.18% net worth ratio and 0.77% of loans delinquent. It ranks #677 of 4,374 nationally on health and #26 of 171 in Michigan.
How does Northland Area compare to other credit unions?
Northland Area scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.77% vs 0.87%). Its widest shortfall is loan-to-share ratio (73.09% vs 83.90%).
How can I join Northland Area?
Northland Area operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Northland Area directly for the exact boundaries and application steps.
Is my money safe at Northland Area?
Northland Area is a federal 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. Northland Area's net worth ratio of 10.18% 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.