Alpena-Alcona Area

Alpena, MI · 2 · Charter #62035 · www.aaacu.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
$930.8M
96th percentile
Members
49,171
87th percentile
Total loans
$588.5M
88th percentile
Total shares
$810.9M
97th percentile

Profitability

Return on assets
1.71%
89th percentile
Net interest margin
3.40%
44th percentile
Efficiency ratio
42.42%
94th percentile
Non-interest income ratio
13.90%
19th percentile

Capital & Risk

Net worth ratio
12.04%
67th percentile
Delinquency rate
0.79%
43th percentile
Net charge-off rate
0.38%
54th percentile
Loan-to-share
72.57%
31th percentile

Growth

Member growth YoY
2.71%
74th percentile
Asset growth YoY
8.06%
74th percentile
Loan growth YoY
14.98%
91th percentile
Share growth YoY
7.33%
74th percentile

Operations

Members / branch
3,782
32th percentile
Assets / member
$18,930
70th percentile
Field of membership penetration
78.05%
99th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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