ALPENA-ALCONA AREA
State-Chartered • Alpena, Michigan • Est. 1953
Quick Facts
- Charter Number
- #62035
- Type
- State-Chartered
- Established
- 1953
- Headquarters
- Alpena, Michigan 49707
- Address
- PO Box 515
- Branches
- 13
- ATMs
- 10
- Members
- 49,171
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
49,171 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ALPENA-ALCONA AREA |
|---|---|
| Total Assets | $930.8M |
| Members | 49,171 |
| Loans Outstanding | $588.5M |
| Shares & Deposits | $810.9M |
| Net Worth | $112.0M |
| Net Worth Ratio | 12.04% |
| Loan-to-Share Ratio | 72.6% |
| Delinquency Rate | 0.79% |
| Net Income | +$15,927,106 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
13 locations · 10 ATMs
Alpena Office
Main Office1100 S Bagley St
Alpena, MI 49707-8104
Ossineke Office
11610 US Highway 23 S
Ossineke, MI 49766-9586
Atlanta Office
12285 Jerome St
Atlanta, MI 49709-9369
Oscoda Office
103 S State St
Oscoda, MI 48750-1632
Tawas Office
118 W M 55
Tawas City, MI 48763-9251
Who Can Join ALPENA-ALCONA AREA?
Membership Type: Community
Membership eligibility for ALPENA-ALCONA AREA may vary. Contact the credit union directly to confirm qualification requirements.
Contact ALPENA-ALCONA AREA directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Michigan RankingsFrequently Asked Questions
Yes. ALPENA-ALCONA AREA is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, ALPENA-ALCONA AREA has 49,171 members and a potential membership field of 63,000 people.
ALPENA-ALCONA AREA's net worth ratio is 12.04% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.0%, ALPENA-ALCONA AREA meets this threshold.
ALPENA-ALCONA AREA operates 13 branch locations and has access to 10 ATMs. The main office is located at 1100 S Bagley St, Alpena, MI 49707-8104.
ALPENA-ALCONA AREA was established in 1953. It is a state-chartered credit union chartered under charter number 62035. The institution has been serving members for 73 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or ALPENA-ALCONA AREA. All financial data is for informational purposes only.