NORTHLAND AREA
Federal • Alpena, Michigan • Est. 1957
Quick Facts
- Charter Number
- #11979
- Type
- Federal
- Established
- 1957
- Headquarters
- Alpena, Michigan 49707-8221
- Address
- 1161 N Bagley St
- Branches
- 17
- ATMs
- 17
- Members
- 46,276
- 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
46,276 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | NORTHLAND AREA |
|---|---|
| Total Assets | $710.7M |
| Members | 46,276 |
| Loans Outstanding | $458.8M |
| Shares & Deposits | $627.6M |
| Net Worth | $71.1M |
| Net Worth Ratio | 10.00% |
| Loan-to-Share Ratio | 73.1% |
| Delinquency Rate | 0.77% |
| Net Income | +$4,788,856 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
17 locations · 17 ATMs
Tawas Branch
201 E M 55
Tawas City, MI 48763
West Branch II
3177 W M 76
West Branch, MI 48661
Grayling Branch
2405 S I 75 Business Loop
Grayling, MI 49738
Mio Branch
208 N Morenci Ave
Mio, MI 48647
Skidway Branch
1927 Greenwood Rd
Prescott, MI 48756
Who Can Join NORTHLAND AREA?
Membership Type: Community
Membership eligibility for NORTHLAND AREA may vary. Contact the credit union directly to confirm qualification requirements.
Contact NORTHLAND 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. NORTHLAND 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, NORTHLAND AREA has 46,276 members and a potential membership field of 635,533 people.
NORTHLAND AREA's net worth ratio is 10.00% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.0%, NORTHLAND AREA meets this threshold.
NORTHLAND AREA operates 17 branch locations and has access to 17 ATMs. The main office is located at 1161 N Bagley St, Alpena, MI 49707-8221.
NORTHLAND AREA was established in 1957. It is a federal credit union chartered under charter number 11979. The institution has been serving members for 69 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or NORTHLAND AREA. All financial data is for informational purposes only.