CU Explorer
Credit unions · Michigan · Q2 2026

Northland Area FCU

Credit union in Alpena, MI · NCUA charter #11979 · Federal charter

Legal name: Northland Area

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$714M
Total loans & leases$475M
Total shares & deposits$649M
Members48,240
Net worth$73.8M
Net worth / assets10.33%
Loans / assets66.54%
Return on assets (annualized)0.76%
Loan growth (YoY)6.96%
Member growth (YoY)4.95%
Delinquency, all loans (60+ days)0.88%
CharterFederal charter
Asset band$250M–$1B
NCUA peer groupover $500M
Sponsor typeCommunity

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): uses fintech partners, fintech auto lending, fintech mortgage lending, fintech secured lending, fintech unsecured lending, fintech P2P payments, online membership application, online loan application, online account opening, online loan payments, bill payment, e-signature, e-Statements, external transfers / ACH, remote deposit capture, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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