Northland Area

Alpena, MI · 1 · Charter #11979 · www.northlandcu.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$710.7M
79th percentile
Members
46,276
83th percentile
Total loans
$458.8M
75th percentile
Total shares
$626.8M
82th percentile

Profitability

Return on assets
0.57%
23th percentile
Net interest margin
2.92%
20th percentile
Efficiency ratio
60.15%
44th percentile
Non-interest income ratio
18.13%
44th percentile

Capital & Risk

Net worth ratio
10.00%
36th percentile
Delinquency rate
0.77%
45th percentile
Net charge-off rate
0.21%
75th percentile
Loan-to-share
73.19%
33th percentile

Growth

Member growth YoY
1.46%
61th percentile
Asset growth YoY
8.76%
80th percentile
Loan growth YoY
6.05%
60th percentile
Share growth YoY
9.33%
85th percentile

Operations

Members / branch
2,571
8th percentile
Assets / member
$15,357
42th percentile
Field of membership penetration
7.28%
65th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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