Alpena Alcona Area Credit Union

Overview / Commentary
1100 S Bagley St
Alpena, MI 49707-8104

Alpena Alcona Area Credit Union is headquartered in Alpena and is the 43rd largest credit union in the state of Michigan. It is also the 734th largest credit union in the nation. It was established in 1953 and as of March of 2019, it had grown to 82 employees and 28,846 members at 9 locations. Alpena Alcona Area Credit Union has an A health rating.

Field of Membership Restrictions

Alpena-Alcona Area CU is open to anyone who resides, holds employment, attends church, or is a registered student in the county of Iosco, has a family member who is a current AAA CU member, works for one of the on-site listed SEG's, is a member of one of the on-site listed organizations that is recognized as a CU-affiliate, or meets one of the other forms of FOM requirements.
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Reviews (2)

My Bank

I absolutely love my bank and everyone who works there. They are so friendly and remember your face. Whenever I go into the bank they know me by my first name. I love how personal they make my banking experience. I have been able to get two loans from my bank. One for personal use and the other for a home repair. Each time my experience has been amazing. I was shown all options before they recommended me to a personal loan. I did not want to do a personal loan but at the time to get my credit back on track it was the best option. Also I am very happy that my bank is only two minutes from me. There are i believe four other banks that are relatively close but I will not change my bank. I am happy with everything about my bank. They are understanding to their customers needs and I will stay right with my bank.

Great Bank

This bank is amazing! Always very friendly associates and never a long wait time on the phone. They know me by name and my parents. This is a small town bank and I love the vibe. I have never had an issue that has went unresolved. They are a caring bank with many friendly faces. They always greet you with a friendly smile. Always are willing to sit down and help you. I have a checking a savings and a loan through them. When we needed financial help they were there to guide us. The loan dept is stellar. I love this bank and all the ladies that work here. Never have to wait much time inside. The wait for the outside can get a little ridiculous but I think that is due to wanting to give a personal experience every time through the drive thru.


Health Grade Components

NCUA #62035
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD1.14%
Return on Equity - YTD9.66%
Annual Interest Income$3.2MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$354.0MM$339.2MM
LoansQ1 2019vs Q1 2018$205.0MM$181.8MM
DepositsQ1 2019vs Q1 2018$310.4MM$298.8MM
Equity CapitalQ1 2019vs Q1 2018$40.9MM$36.6MM
Loan Loss AllowanceQ1 2019vs Q1 2018$1.6MM$1.0MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$1.4MM$1.8MM
Real Estate OwnedQ1 2019vs Q1 2018$15.00K$146.00K

Rates for Alpena Alcona Area Credit Union are currently being reviewed.


Alpena Alcona Area Credit Union Locations
Branch Office111 S Church StLincoln, MI 48742
Branch Office1013 US Highway 23 NAlpena, MI 49707-1249
Branch Office12285 Jerome StAtlanta, MI 49709-9369
Branch Office118 W M 55Tawas City, MI 48763-9251
Branch Office11610 US Highway 23 SOssineke, MI 49766-9586
Branch Office1100 S Bagley StAlpena, MI 49707-8104
Branch Office103 S State StOscoda, MI 48750-1632
Branch Office51 N Barlow RoadLincoln, MI 48742
Branch Office3550 E River RdOscoda, MI 48750

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