Alpena Community

Alpena, MI · 2 · Charter #62264 · www.alpenacreditunion.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$34.9M
84th percentile
Members
2,255
72th percentile
Total loans
$15.8M
80th percentile
Total shares
$29.6M
84th percentile

Profitability

Return on assets
1.66%
84th percentile
Net interest margin
3.59%
36th percentile
Efficiency ratio
61.96%
61th percentile
Non-interest income ratio
24.78%
90th percentile

Capital & Risk

Net worth ratio
13.63%
41th percentile
Delinquency rate
0.10%
77th percentile
Net charge-off rate
0.04%
69th percentile
Loan-to-share
53.46%
39th percentile

Growth

Member growth YoY
-2.25%
41th percentile
Asset growth YoY
7.05%
84th percentile
Loan growth YoY
5.58%
81th percentile
Share growth YoY
5.31%
77th percentile

Operations

Members / branch
2,255
83th percentile
Assets / member
$15,461
86th percentile
Field of membership penetration
22.55%
35th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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