ALPENA COMMUNITY
Charter #62264 · Alpena, MI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.42% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.05% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 68.35% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 74th percentile but its structural peers at the 51st — a 23-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 COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $35.47M | 74th pct | 51th pct |
| Members | 2,254 | 56th pct | 48th pct |
| Net worth ratio | 13.75% | 51th pct | 70th pct |
| Return on average assets | 1.42% | 83th pct | 97th pct |
| Net interest margin | 3.84% | 49th pct | 64th pct |
| Cost of funds | 0.32% | 22th pct | 28th pct |
| Loan-to-share | 50.77% | 39th pct | 54th pct |
| Delinquency 60+ days | 0.05% | 16th pct | 16th pct |
| Net charge-off ratio | -0.00% | 22th pct | 28th pct |
| Loan growth YoY | -0.87% | 63th pct | 62th pct |
| Share growth YoY | 3.15% | 57th pct | 57th pct |
| Efficiency ratio | 68.35% | 23th pct | 18th pct |
structural peer set hash: 3c5aa7cd18a382f1942dcd847c96aa62… (reproducible)
Closest structural peers
This is the free public view
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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.