Alpena, Michigan · Peer group 5
H.P.C. Credit Union
H.P.C. Credit Union holds $171.0M in assets across 7,590 members as of Q1 2026 — about $23K of assets per member, on a charter dating to 1950. Charter number 62219, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $171.0M |
|---|---|
| Total loans | $95.6M |
| Total shares (deposits) | $145.4M |
| Net worth | $23.1M |
| Members | 7,590 |
| Assets per member | $23K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 10.3% | |
|---|---|---|
| Loans | 2.8% | around the 51st percentile of its peer group |
| Deposits | 9.7% | higher than 92% of its peer group |
| Members | 0.3% | around the 56th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 65.7% | around the 37th percentile of its peer group |
|---|---|---|
| Net worth ratio | 13.5% | around the 75th percentile of its peer group |
| Return on assets | 0.91% | around the 65th percentile of its peer group |
| Delinquency ratio | 0.16% | around the 11th percentile of its peer group |
| Cash / assets | 7.0% | around the 24th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is H.P.C. Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Michigan — the comparison set a peer ratio is measured against.
- Harborlight Credit Union
WHITEHALL, MI
$169.3M · 11,537 members
- Family Financial Credit Union
Norton Shores, MI
$169.2M · 16,646 members
- Wolverine State Credit Union
Alpena, MI
$169.1M · 9,724 members
- Health Advantage Credit Union
SAGINAW, MI
$179.4M · 10,639 members
- Safe Harbor Credit Union
Ludington, MI
$181.7M · 8,971 members
- Wayne-Westland Credit Union
Westland, MI
$159.7M · 10,762 members
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