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
- CHARTER 93/100
- NCUSIF 10.2%
- CAMELS 0.77%
- HEALTH 0.49%
- NW $710.7M
- DELQ 46,276
- ROA #677/4,374
- ASSETS DOVER
- MEM 11979
Call Report peers
Northland Area in the assets neighbourhood
Northland Area's $710.7M assets sit next to DOVER ($710.8M) 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.
Northland Area 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
93 Top 16% higher than 84% 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
Northland Area - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #11979 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Northland Area's 5300 filing moved
Northland Area: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.3% from $710.7M (2025Q4) to $708.4M (2026Q1).
- Net-worth ratio shifted +0.18 pp (10.00% → 10.18%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Cross-state asset and health neighbours for Northland Area - kept outside Michigan; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($710.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
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
- 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 Northland Area financially healthy?
A 10.18% net worth ratio and a 0.77% delinquency rate feed into Northland Area's financial health score of 93/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #677 of 4,374; by total assets it ranks #611 of 4,374 nationally (same basis as /rankings/largest); and #36 of 171 within Michigan. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Northland Area compare to other credit unions?
PlainCU's health composite puts Northland Area at 93/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Northland Area 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. Northland Area's net worth ratio of 10.18% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Northland Area offer compared to banks?
Credit unions like Northland Area 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 Northland Area 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.