Alliance Catholic Credit Union
Total assets
$707.4M
▲ +11.3% YoY
Shares & deposits
$615.7M
▲ +10.0% YoY
Loans
$442.6M
▲ +31.5% YoY
Members
32,701
▲ +0.2% YoY
ROA (annualized)
1.66%
peers 0.62%
ROE (annualized)
13.26%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.3% | +4.8% | +6.5 pts |
| Share growth (YoY) | +9.9% | +4.3% | +5.6 pts |
| Loan growth (YoY) | +31.5% | +4.3% | +27.2 pts |
| ROA | 1.66% | 0.62% | +1.0 pts |
| ROE | 13.3% | 5.9% | +7.3 pts |
ROA ranks in the 94th percentile of its peer group · Q1 2026
Profile
- Established
- 1956
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 28800 Orchard Lake Rd, Farmington Hill, MI, 48334
- NCUA charter #
- 61759
- RSSD ID
- 995991
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $707.4M | $615.7M | $442.6M | $88.4M | $2.9M | 1.66% | 3.55% | 0.31% | 32,701 |
| Q4 2025 | $672.3M | $587.2M | $419.1M | $84.1M | $2.5M | 0.37% | 3.46% | 0.36% | 32,902 |
| Q3 2025 | $653.9M | $572.3M | $399.9M | $82.6M | $1.0M | 0.21% | 3.49% | 0.28% | 32,848 |
| Q2 2025 | $644.5M | $567.1M | $373.2M | $82.3M | $469K | 0.15% | 3.33% | 0.32% | 32,800 |
| Q1 2025 | $635.6M | $559.9M | $336.5M | $82.1M | $331K | 0.21% | 3.19% | 0.44% | 32,621 |
| Q4 2024 | $627.2M | $553.1M | $328.6M | $81.8M | $10.2M | 1.63% | 3.00% | 0.70% | 32,501 |
| Q3 2024 | $626.8M | $550.6M | $322.3M | $81.5M | $9.9M | 2.11% | 2.96% | 0.54% | 32,573 |
| Q2 2024 | $624.3M | $563.5M | $308.9M | $72.3M | $546K | 0.18% | 2.86% | 0.38% | 32,371 |
Loan mix (Q1 2026): real estate $159.2M · commercial $142.9M · consumer $107.9M · securities $142.9M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.66% | 0.62% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 13.3% | 5.9% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.55% | 3.48% | 58th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.9% | 78.3% | 24th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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