# ALPENA COMMUNITY
Alpena, MI · NCUA charter 62264 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/alpena-community-62264

Who the members are: state charter, organized 1970, low-income designated. 2,254 members of 10,000 potential (22.5% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $35.5M |
| Members | 2,254 (-2.4% YoY) |
| Full-time staff | 7 |
| Net worth | $4.9M |
| Net worth ratio | 13.8% (p43 of band) |
| ROA (annualized) | 1.40% (p83 of band) |
| Total delinquency | 0.05% (p21 of band) |
| Net charge-offs (annualized) | 0.00% (p22 of band) |
| Loans / shares | 51% (p40 of band) |
| Cash / assets | 13.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.81% (p47 of band) |
| Operating expense / assets | 3.03% (p32 of band) |
| Vehicles % of loans | 37% (p23 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 1% |
| Third-party paper % of net worth | 1% (p87 of band) |
| Vehicle delinquency | 0.08% (p35 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 54% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 79% |
| Certificates % of member funds | 1% |
| Average share balance | $6,367 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $13,615 |
| Loans granted, annualized | $4.7M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 | losing money | net worth falling |
| 2017-06 | 2 | members leaving | losing money |
| 2017-09 | 1 |  | members leaving |
| 2017-12 | 3 | assets shrinking, members leaving |  |
| 2018-03 | 2 |  | assets shrinking |
| 2018-06 | 3 | assets shrinking |  |
| 2018-09 | 2 |  | thin capital |
| 2018-12 | 2 | delinquency rising | assets shrinking |
| 2019-03 | 1 |  | members leaving |
| 2019-06 | 2 | net worth falling |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | thin capital, net worth falling |  |
| 2020-09 | 1 |  | net worth falling |
| 2020-12 | 2 | delinquency rising |  |
| 2021-03 | 4 | net worth falling, margin squeeze |  |
| 2021-06 | 2 | members leaving | delinquency rising, net worth falling, margin squeeze |
| 2021-09 | 1 |  | members leaving |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 | assets shrinking | thin capital |
| 2023-03 | 1 | thin capital | assets shrinking |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 | delinquency rising | thin capital |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | net worth falling |  |
| 2025-09 | 1 | delinquency rising | net worth falling |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-06-21 [New leadership at Alpena Community Credit Union - The Alpena News](https://news.google.com/rss/articles/CBMipAFBVV95cUxNLW9MVDJyd2g1bHdoWUs5dXJEU3FhNjIteWlhYkpRRHczVlBxdWxZY3Nyd2Z4QTBmTjJTVDlDZHNWeVJrWk4xSE5VTTF2NG1Ga2RqUEY1UHRrb21WR3NWeDcwWi1Fa1ItaGotUnM4NVA5RHJNcXNrcm5YMWNJVHFIOGlCSFVJTUFKc1BCU1FwelpDaDM3ZVNQTWROS2tlNnRtMDRwQw?oc=5) · The Alpena News
- 2025-06-04 [Alpena Community Credit Union awards $27,500 in funds to PACE Northeast Michigan - - The Alpena News](https://news.google.com/rss/articles/CBMizgFBVV95cUxPaWl2SzVDREZ4WUJuVV92bE1VRGdWQkN0VndvLWhoNnhhay1ZYjlGQmVfU093UnFQQnE0ZlRDdmMtUmszZ2wtbjk2RWVxRzdkZUNVSF9CVmh0OTlnS2tYQ3BVemRsUGt3aFRRRVFOZlNraUZOVGhVZFk0UkxfelgtSm1zSG1naF8xMjE1TXhfbWV2QzBuN3ktaDZPNWY5UUE1RU5DRE4yZnJ4NHZwVHE5NjFHZ1Y2MTdJTC1zQmF2LWRaSmlGcDR2bG1ZTlMtZw?oc=5) · The Alpena News
- 2026-03-15 [Weather Related Cancellations, Closing and Delays for Monday, March 16, 2026 - True North Radio Network](https://news.google.com/rss/articles/CBMi5AFBVV95cUxOb1AzaTNwS2lVX3VLMXhwYkx3TjRDUUhJZFp4VnFLM1F2OURvenRQQWhFcFJBSjY4bGRsM1Rja3RDV25XQ2pDQ1dqU2RqYWNLZjBTVWlEYlpyM0NLeHNyRlZHWXBnNUhIYTRXX2Frd21mclUxZHFINkdKQjJLaXFVZjNZbXh2bjduU0VlbEl4dV8zVXZvWkdYUXVNM1g4NFljWk5oZ3J1WW8tZGxQbXRKUGktODRSU19UQy1hVGd5WFlHMVBXSDdKal9wX1VjSlFEYVlKSjhUMk1YYWs4VUk4OGRmZVI?oc=5) · True North Radio Network
- 2024-07-19 [ACCU supports Besser Museum’s ‘Discover’ exhibit - - The Alpena News](https://news.google.com/rss/articles/CBMikwFBVV95cUxQdEJJUHQwR3Q2eHNSRm9HZm5zaWxSNGc3MmNHV3ExNHVpeVdMcGVmZzYzeWNTRUhQWXpvck1sOFF2ZUJmY0luVDJxWmE1VG1JZGwtNWd5TDRvazM0MER2RzVxV0ltRFU4a1pnbUtEY2V4UnNLQWpMdllINm5adUEwQ3EyejdhR2R5UmY5MWdtRkRjX0U?oc=5) · The Alpena News
- 2026-03-30 [Alpena Senior Citizens Center hosts Easter fundraiser - - The Alpena News](https://news.google.com/rss/articles/CBMimgFBVV95cUxOQTBLNGxNaEpsVHBiZDJ1cUFOR21TR05NSWlkN054dGh2ekZKUlh2ZzMyVG9NS1AtOXBNcDVOWFZ0V1RXUWFIbDJYWENGUFBrM3VhTnNlZTV0ZnlVMXc0TktlUkhmeWI4NXduSWtlejRleHcxVkpLX2kzWWlvVmhlV19JdzloVU8wOGlxdUxaQ0hDa01TTnFtbW5n?oc=5) · The Alpena News
- 2026-02-14 [Alpena Chamber announces award winners - - The Alpena News](https://news.google.com/rss/articles/CBMimAFBVV95cUxQaFRiUi1FRk5ycGlQVFkzNFphT2RabDg5Yk5pb0RzVU1TTGY5MjdrZEQ5dlNpMk40WTgydTBwNHdnUkY0NlRUTlNBTmYzRjFUc2NWQ2t2bnpvalRObmtxUDJPOHl4YzFrS2drSkd4YWlPYnhleWlhWDhQZW83NTkxcDh2VElKMFcwTW44dFJkeThIN0tvX010eA?oc=5) · The Alpena News
- 2026-01-20 [UPDATED: Baby pantry set to reopen, needs donations - The Alpena News](https://news.google.com/rss/articles/CBMinAFBVV95cUxQaUgxTy0xdjF2WUl6YkVxTkZtRzlsdV9RUjdoLWxkV3pwMmdOVU1oWFhqNV8wNXh5U1JuVnVBUWRqMnZRUnI0ZlhWVUxzUjM5dWRHMkJPRUttSnZYUzZPazhzWUtGZ1BmSmRzaHVkTGVlZVNpUzZwMUlKQzUwMVFMdHM2RjJSbU5EemZvZGlZTEJ6TGo3OVN3d01RbFk?oc=5) · The Alpena News
- 2024-09-17 [Fun and games Saturday at Alpena Farmers Market Kids Day - - The Alpena News](https://news.google.com/rss/articles/CBMisAFBVV95cUxNSEduLUt6c3JZZmdoZW9hQmg5QnRINmNaSVY1SXEzTlhfeTZoaHpPRS1iME1LektieEV4T01RUzFqX2FWc3NUZmtxSVIyVnVGaXJUeXREU3ZTaGVONERYY0NBRWc3d3hReVJicGtUcFQ5b0gwTW9VMGtnb0FVSGJvbDU2elBIYmw2eTcxWjlVS2V5cTg4eUJsUVVIZWJOQ3E1WkdkWXJHYWtocDVpTDlROA?oc=5) · The Alpena News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=62264 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/56.json (key "62264", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=62264
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide