BlastPoint's Credit Union Scorecard

ALPENA COMMUNITY

Charter #62264 · MI

<100M

2556 CUs in <100M nationally 59 in MI

ALPENA COMMUNITY has 2 strengths but faces 2 concerns

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.00% above tier average
+ Fee Income Per Member: Top 7.3% in tier

Key Concerns

Areas that may need attention

- Member decline: -2.3% YoY
- First Mortgage Concentration (%): Bottom 7.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	2,255 -2.3% YoY-0.2% QoQ	-360	2,615 -1.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	56%
Assets	$34.9M +7.1% YoY+1.2% QoQ	+$4.7M	$30.1M +2.1% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	65%
Loans	$15.8M +5.6% YoY+1.9% QoQ	+$49K	$15.8M -1.3% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	63%
Deposits	$29.6M +5.3% YoY+0.7% QoQ	+$3.9M	$25.7M +1.4% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	64%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.6% -43.1% YoY-11.3% QoQ	+1.0%	0.6% +10.8% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	Top 13.2% in tier
NIM	3.6% +9.9% YoY+4.5% QoQ	-0.3%	4.0% +4.0% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	39%
Efficiency Ratio	65.9% +17.8% YoY+5.1% QoQ	-16.6%	82.6% -2.3% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	20%
Delinquency Rate	0.1% -44.5% YoY-57.5% QoQ	-1.5	1.6% -3.1% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	19%
Loan To Share	53.5% +0.3% YoY+1.2% QoQ	-7.2%	60.6% -3.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	38%
AMR	$20,128 +7.8% YoY+1.3% QoQ	+$5K	$14,783 -1.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	79%
CD Concentration	0.7% -5.6% YoY+7.1% QoQ	-23.7%	24.4%	18.6%	19.8%	50%
Indirect Auto %	0.5% -27.0% YoY-11.0% QoQ	-13.3%	13.8%	11.8%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (10 metrics)

187

Fee Income Per Member

profitability

Value: $198.63

Peer Median: -

#187 of 2556 Top 7.3% in <100M tier

338

Return on Assets (ROA)

profitability

Value: 1.62%

Peer Median: -

#338 of 2556 Top 13.2% in <100M tier

385

AMR Growth Rate

growth

Value: 7.83%

Peer Median: -

#385 of 2556 Top 15.0% in <100M tier

430

Asset Growth Rate

growth

Value: 7.05%

Peer Median: -

#430 of 2556 Top 16.8% in <100M tier

489

Total Delinquency Rate (60+ days)

risk

Value: 0.10%

Peer Median: -

#489 of 2556 Top 19.1% in <100M tier

500

Efficiency Ratio

profitability

Value: 65.93%

Peer Median: -

#500 of 2556 Top 19.5% in <100M tier

505

Loan Growth Rate

growth

Value: 5.58%

Peer Median: -

#505 of 2556 Top 19.7% in <100M tier

528

Average Member Relationship (AMR)

engagement

Value: $20,128

Peer Median: -

#528 of 2556 Top 20.6% in <100M tier

622

Deposit Growth Rate

growth

Value: 5.31%

Peer Median: -

#622 of 2556 Top 24.3% in <100M tier

622

Share Certificate Concentration (%)

balance_sheet

Value: 0.74%

Peer Median: -

#622 of 2556 Top 24.3% in <100M tier

Top Weaknesses (2 metrics)

2358

First Mortgage Concentration (%)

balance_sheet

Value: 50.42%

Peer Median: -

#2358 of 2556 Bottom 7.8% in <100M tier

2186

Indirect Auto Concentration (%)

balance_sheet

Value: 0.47%

Peer Median: -

#2186 of 2556 Bottom 14.5% in <100M tier