ALPENA-ALCONA AREA
Charter #62035 | MI
750M-1B
(112 CUs)
Community
($500M-$1B)
(281 CUs)
9 750M-1B in MI
ALPENA-ALCONA AREA has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 6.6% in tier
- + Wallet Share Momentum: Top 6.7% in tier
- + Relationship Depth Leader: Top 11.9% in tier
- + Organic Growth Leader: Top 12.5% in tier
- + ROA 0.87% above tier average
- + Net Interest Margin 0.03% above tier average
- + Loan Growth Rate: Top 5.4% in tier
- + Efficiency Ratio: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Growth-at-Risk: Bottom 17.3% in tier
- - Indirect Auto Dependency: Bottom 20.5% in tier
- - Credit Quality Pressure: Bottom 29.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
48,818
+3.2% YoY+1.2% QoQ
|
-3.3K |
52,114
-2.1% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
42nd in tier |
| Assets |
$918.8M
+9.1% YoY+1.8% QoQ
|
+$59.8M |
$859.0M
+0.0% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
Top 20.5% in tier |
| Loans |
$573.5M
+16.9% YoY+4.0% QoQ
|
$-29.8M |
$603.4M
+1.0% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
34th in tier |
| Deposits |
$800.9M
+8.6% YoY+1.6% QoQ
|
+$66.8M |
$734.2M
+0.9% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
Top 18.8% in tier |
| ROA |
1.6%
+15.5% YoY+5.1% QoQ
|
+0.9% |
0.7%
+27.6% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
Top 5.4% in tier |
| NIM |
3.4%
+4.2% YoY+1.2% QoQ
|
+0.0% |
3.4%
+9.6% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
51st in tier |
| Efficiency Ratio |
57.1%
-1.2% YoY-3.4% QoQ
|
-17.4% |
74.5%
-3.2% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Bottom 7.1% in tier |
| Delinquency Rate |
0.7%
+0.6% YoY+14.0% QoQ
|
-0.1 |
0.8%
+5.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
56th in tier |
| Loan To Share |
71.6%
+7.6% YoY+2.3% QoQ
|
-11.1% |
82.7%
+0.1% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 21.4% in tier |
| AMR |
$28,155
+8.4% YoY+1.4% QoQ
|
$-496 |
$28,651
+2.5% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
58th in tier |
| CD Concentration |
30.4%
+5.1% YoY+5.8% QoQ
|
+6.0% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
72nd in tier |
| Indirect Auto % |
18.2%
+4.5% YoY+1.1% QoQ
|
+4.2% |
14.0%
-5.8% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
68th in tier |
Signature Analysis
Strengths (4)
Organic Growth Engine
growth
#122 of 603 • Top 6.6% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
3.17%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
1.58%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
18.17%
(Tier:
13.96%, National:
7.90%)
603 of 281 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
Rank worsening
Wallet Share Momentum
growth
#185 of 1006 • Top 6.7% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
8.43%
(Tier:
3.68%, National:
4.19%)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Relationship Depth Leader
growth
#328 of 1006 • Top 11.9% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
8.43%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$2.3K
(Tier: $2.8K, National: $2.0K)
1006 of 281 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Organic Growth Leader
growth
#165 of 430 • Top 12.5% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
3.17%
(Tier:
0.88%, National:
9.37%)
430 of 281 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
Rank worsening
Concerns (3)
Growth-at-Risk
risk
#260 of 446 • Bottom 17.3% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
16.86%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.00% points
(Tier:
0.04% points, National:
0.07% points)
446 of 281 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
New qualifier
Indirect Auto Dependency
risk
#330 of 525 • Bottom 20.5% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
9.14%
(Tier:
4.61%, National:
3.04%)
Indirect Auto %:
18.17%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
3.17%
(Tier:
0.88%, National:
9.37%)
525 of 281 Community CUs have this signature
| 768 nationally
↓ Shrinking
-18 CUs YoY
|
Rank improving
Credit Quality Pressure
risk
#725 of 736 • Bottom 29.3% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.00% points
(Tier:
0.04% points, National:
0.07% points)
736 of 281 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
New qualifier
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (9 metrics)
6
Return on Assets (ROA)
profitability
Value:
1.58%
Peer Avg: 0.71%
#6 of 112
Top 4.5% in 750M-1B tier
7
Loan Growth Rate
growth
Value:
16.86%
Peer Avg: 4.84%
#7 of 112
Top 5.4% in 750M-1B tier
9
Efficiency Ratio
profitability
Value:
57.12%
Peer Avg: 74.52%
#9 of 112
Top 7.1% in 750M-1B tier
20
AMR Growth Rate
growth
Value:
8.43%
Peer Avg: 4.90%
#20 of 112
Top 17.0% in 750M-1B tier
21
Asset Growth Rate
growth
Value:
9.14%
Peer Avg: 4.25%
#21 of 112
Top 17.9% in 750M-1B tier
21
Total Deposits
balance_sheet
Value:
$800.93M
Peer Avg: $734.17M
#21 of 112
Top 17.9% in 750M-1B tier
22
Deposit Growth Rate
growth
Value:
8.55%
Peer Avg: 5.03%
#22 of 112
Top 18.8% in 750M-1B tier
23
Total Assets
balance_sheet
Value:
$918.80M
Peer Avg: $859.01M
#23 of 112
Top 19.6% in 750M-1B tier
28
Member Growth Rate
growth
Value:
3.17%
Peer Avg: 1.14%
#28 of 112
Top 24.1% in 750M-1B tier
Top Weaknesses (2 metrics)
88
Loan-to-Share Ratio
balance_sheet
Value:
71.61%
Peer Avg: 82.66%
#88 of 112
Bottom 22.3% in 750M-1B tier
87
Fee Income Per Member
profitability
Value:
$148.16
Peer Avg: $204.75
#87 of 112
Bottom 23.2% in 750M-1B tier