ALPENA-ALCONA AREA
Charter #62035 · Alpena, MI · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.56% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.06% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 57.09% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 95th percentile but its structural peers at the 46th — a 49-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ALPENA-ALCONA AREA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $957.58M | 95th pct | 46th pct |
| Members | 49,570 | 72th pct | 39th pct |
| Net worth ratio | 12.08% | 73th pct | 62th pct |
| Return on average assets | 1.56% | 92th pct | 95th pct |
| Net interest margin | 3.46% | 46th pct | 43th pct |
| Cost of funds | 0.06% | 4th pct | 10th pct |
| Loan-to-share | 70.59% | 23th pct | 48th pct |
| Delinquency 60+ days | 0.61% | 52th pct | 48th pct |
| Net charge-off ratio | 0.49% | 56th pct | 44th pct |
| Loan growth YoY | 2.83% | 71th pct | 79th pct |
| Share growth YoY | 4.32% | 54th pct | 51th pct |
| Efficiency ratio | 57.09% | 5th pct | 0th pct |
structural peer set hash: 7e43a211734ecbcf78d4daf98e698eec… (reproducible)
Closest structural peers
This is the free public view
Claim ALPENA-ALCONA AREA
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.