Charter 11979 · Alpena, MI
Northland Area Federal Credit Union
Northland Area Federal Credit Union is a federally chartered credit union in Alpena, Michigan, with $714 million in assets and 48,241 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.33%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $714 million
- +3.1% in a year
- Members
- 48,241
- +4.9% in a year
- Net worth ratio
- 10.33%
- Peer median 10.79%
- Loans 60+ days late
- 0.88%
- Peer median 0.67%
- Loans outstanding
- $475 million
- +7.0% in a year
- Shares and deposits
- $649 million
- +5.1% in a year
- Branches
- 18
- 156 employees
- Opened
- 1957
- Federal charter
How Northland Area Federal Credit Union compares
NCUA groups credit unions by size; Northland Area Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 10.33% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.88%, is higher than the group median of 0.67%. Loans grew 7.0% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 37 of 169 credit unions headquartered in Michigan. See all Michigan credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $714 million | 48,241 | $475 million | 10.33% | 0.88% |
| Q1 2026 | $708 million | 46,344 | $460 million | 10.18% | 0.82% |
| Q4 2025 | $711 million | 46,276 | $459 million | 10.00% | 0.77% |
| Q3 2025 | $701 million | 46,015 | $448 million | 10.06% | 0.77% |
| Q2 2025 | $693 million | 45,967 | $444 million | 10.04% | 1.01% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 635,533 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 17 sites for Northland Area Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- 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 - Hale Branch
220 S Washington St, Hale, MI 48739 - Oscoda Branch
4346 F 41, Oscoda, MI 48750 - Harrisville Branch
410 E Main St, Harrisville, MI 48740 - West Branch
2170 S M 76, West Branch, MI 48661 - Augres
317 N Huron Rd, Au Gres, MI 48703 - Houghton Lake
2285 W Houghton Lake Dr, Houghton Lake, MI 48629 - Gaylord Branch
1371 W Main St, Gaylord, MI 49735 - Alpena Branch (main office)
1161 N Bagley St, Alpena, MI 49707 - Evart
9568 Us-10, Evart, MI 49631 - Kalkaska
112 N Cedar St, Kalkaska, MI 49646 - Petoskey
979 Spring St, Petoskey, MI 49770 - Reed City
840 S Chestnut St, Reed City, MI 49677
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology