BlastPoint's Credit Union Scorecard
ALPENA COMMUNITY
Charter #62264 · MI
ALPENA COMMUNITY has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.14% above tier average
- + Fee Income Per Member: Top 4.3% in tier
- + Net Charge-Off Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.5% YoY
- - First Mortgage Concentration (%): Bottom 7.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,260
-2.5% YoY-0.8% QoQ
|
-365 |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
56% |
| Assets |
$34.4M
+7.3% YoY-1.1% QoQ
|
+$4.6M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
65% |
| Loans |
$15.5M
+5.5% YoY+2.0% QoQ
|
$-248K |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
62% |
| Deposits |
$29.4M
+5.8% YoY-3.0% QoQ
|
+$3.9M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
64% |
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| ROA |
1.8%
-42.1% YoY+64.4% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
Top 12.4% in tier |
| NIM |
3.5%
+9.6% YoY+1.1% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
33% |
| Efficiency Ratio |
62.7%
+20.7% YoY-14.9% QoQ
|
-18.7% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
18% |
| Delinquency Rate |
0.2%
+63.1% YoY-27.6% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
29% |
| Loan To Share |
52.8%
-0.3% YoY+5.1% QoQ
|
-8.4% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
36% |
| AMR |
$19,866
+8.4% YoY-0.5% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
79% |
| CD Concentration |
0.7%
-16.0% YoY-6.5% QoQ
|
-23.7% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.5%
-25.4% YoY-14.1% QoQ
|
-13.4% |
14.0%
-5.7% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)