Alpena, Michigan · Peer group 6
Northland Area Credit Union
Northland Area Credit Union holds $708.4M in assets across 46,344 members as of Q1 2026 — about $15K of assets per member, on a charter dating to 1957. Charter number 11979, in the $500M-$1B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $708.4M |
|---|---|
| Total loans | $459.6M |
| Total shares (deposits) | $635.4M |
| Net worth | $72.1M |
| Members | 46,344 |
| Assets per member | $15K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 4.9% | |
|---|---|---|
| Loans | 5.5% | around the 55th percentile of its peer group |
| Deposits | 5.4% | around the 60th percentile of its peer group |
| Members | 1.3% | around the 48th 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 | 72.3% | around the 22nd percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.2% | around the 40th percentile of its peer group |
| Return on assets | 0.59% | around the 43rd percentile of its peer group |
| Delinquency ratio | 0.82% | around the 69th percentile of its peer group |
| Cash / assets | 10.3% | around the 66th percentile of its peer group |
| Borrowings / assets | 1.4% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Northland Area 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.
- Alliance Catholic Credit Union
Farmington Hill, MI
$707.4M · 32,701 members
- American 1 Credit Union
JACKSON, MI
$666.9M · 67,556 members
- Omni Community Credit Union
Battle Creek, MI
$652.6M · 47,012 members
- Security Credit Union
GRAND BLANC, MI
$651.8M · 53,803 members
- Team One Credit Union
SAGINAW, MI
$767.4M · 46,852 members
- Adventure Credit Union
Grand Rapids, MI
$642.0M · 43,275 members
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