H.P.C.

ALPENA, MI · 2 · Charter #62219 · www.hpccu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$158.9M
75th percentile
Members
7,582
50th percentile
Total loans
$93.9M
73th percentile
Total shares
$135.9M
75th percentile

Profitability

Return on assets
0.86%
38th percentile
Net interest margin
3.53%
43th percentile
Efficiency ratio
64.08%
46th percentile
Non-interest income ratio
7.41%
8th percentile

Capital & Risk

Net worth ratio
14.31%
72th percentile
Delinquency rate
0.54%
62th percentile
Net charge-off rate
0.37%
46th percentile
Loan-to-share
69.11%
52th percentile

Growth

Member growth YoY
1.47%
75th percentile
Asset growth YoY
3.21%
44th percentile
Loan growth YoY
3.40%
62th percentile
Share growth YoY
3.04%
47th percentile

Operations

Members / branch
2,527
36th percentile
Assets / member
$20,958
87th percentile
Field of membership penetration
2.23%
31th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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