A
Alpena-Alcona Area Credit Union
AlpenaMI
Rating Date
July 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
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Capital
Total
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Weiss Ratings Alpena-Alcona Area Credit Union
Alpena, MI
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Rating A
Asset Quality Index 9.30
Capitalization Index 10.00
Liquidity Index 5.00
Profitability Index 9.80
Stability Index 8.00
Company Info Alpena-Alcona Area Credit Union
Alpena, MI
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NCUA Charter Number 4645
Phone Number (989) 356-3577
Website www.aaacu.com
Asset Quality Alpena-Alcona Area Credit Union
Alpena, MI
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1-Year Asset Growth 10.10%
5-Year Asset Growth 18.33%
5-Year Charge-Offs to Average Loans 0.38%
Charge-Offs to Average Loans 0.36%
Non-Performing Assets to Assets 0.30%
Non-Performing Loans to Capital 2.53%
Non-Performing Loans to Loans 0.50%
Balance Sheet Alpena-Alcona Area Credit Union
Alpena, MI
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Total Assets 881.67M
Total Deposits 773.35M
Capital and Reserves Alpena-Alcona Area Credit Union
Alpena, MI
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Capital 101.81M
Leverage Ratio 11.60
Loan Loss Reserves to Loans 0.90%
Liquidity Alpena-Alcona Area Credit Union
Alpena, MI
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Hot Money Ratio 14.15%
Liquidity Ratio 26.56%
Profitability Alpena-Alcona Area Credit Union
Alpena, MI
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5-Year Return on Average Assets 1.45%
Net Income 3.24M
Net Interest Spread 4.06%
Operating Profit to Average Assets 1.64%
Overhead Efficiency Ratio 59.28%
Return on Assets 1.49%
Return on Equity 12.93%