| Metric | Alliance Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +14.2% | +4.1% | +10.1 pts |
| Share growth (YoY) | +13.0% | +3.5% | +9.5 pts |
| Loan growth (YoY) | +4.4% | +2.9% | +1.6 pts |
| ROA | 0.68% | 0.74% | -0.1 pts |
| ROE | 6.1% | 6.5% | -0.4 pts |
ROA ranks in the 45th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $423.1M | $324.0M | $345.3M | $47.3M | $1.4M | 0.68% | 2.97% | 0.69% | 20,718 |
| Q1 2026 | $422.0M | $323.0M | $333.7M | $46.6M | $690K | 0.65% | 2.89% | 0.53% | 20,852 |
| Q4 2025 | $399.5M | $296.1M | $331.0M | $45.9M | $2.9M | 0.73% | 3.04% | 1.14% | 20,927 |
| Q3 2025 | $395.6M | $291.4M | $328.2M | $45.9M | $2.2M | 0.75% | 3.04% | 0.61% | 21,126 |
| Q2 2025 | $370.6M | $286.7M | $330.7M | $45.2M | $1.5M | 0.82% | 3.21% | 0.50% | 21,435 |
| Q1 2025 | $375.1M | $286.8M | $335.0M | $44.3M | $622K | 0.66% | 3.10% | 0.54% | 21,596 |
| Q4 2024 | $374.5M | $276.9M | $332.5M | $43.6M | $2.5M | 0.68% | 2.94% | 0.71% | 21,081 |
| Q3 2024 | $377.4M | $291.0M | $336.8M | $43.5M | $1.7M | 0.62% | 2.92% |
| Ratio | Alliance Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.74% | 45th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 6.5% | 47th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.97% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.87% |
| 21,912 |
| Q2 2024 | $380.9M | $294.8M | $339.1M | $42.6M | $820K | 0.43% | 2.85% | 0.92% | 22,071 |
Loan mix (Q2 2026): real estate $210.3M · commercial $24.1M · consumer $79.6M · securities $27.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.1% | 77.5% | 49th |
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% |
| Ratio | Alliance Credit Union | 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% |
| Ratio | Alliance Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Alliance Credit Union | 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% |
| Ratio | Alliance Credit Union | 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% |
| Ratio | Alliance Credit Union | 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% |
The full ratio pack is part of CharterBench Pro.
Alliance Credit Union is in an open deal as the acquirer: Alliance Bancshares, Inc. to acquire both of Anna, Illinois, in connection with the merger of Anna State Bank with and into Alliance Bank (approved). Expect integration priorities and a consolidated vendor stack after closing.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Aug 12, 2026 | Acquirer | both of Anna, Illinois, in connection with the merger of Anna State Bank with and into Alliance Bank | Merger | Approved | Federal Reserve |
6 branches in 3 counties across 1 state (+0 vs 2025). Biggest market: St. Louis, MO, ranked 44th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| St. Louis, MO | 3 | $162.0M* | 0.30% | 44th |
| St. Charles, MO | 2 | $108.0M* | 0.89% | 32nd |
| St. Louis (City), MO | 1 | $54.0M* | 0.10% | 27th |
Missouri: 126th with 0.11% · St. Louis metro: 68th, 0.21% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 5 · 2023 6 · 2024 6 · 2025 6 · 2026 6
Ranked #2,847 of 4,653 mortgage lenders in 2025.
Approval rates, pricing, purchase vs. refinance, HELOCs, government lending, how much it sells vs. keeps, top states and the year-by-year trend are part of CharterBench Pro.
Home Mortgage Disclosure Act data (CFPB). Includes mortgage subsidiaries that the Philadelphia Fed’s HMDA Lender File ties to this institution. Small lenders below the HMDA reporting thresholds do not file. All mortgage lenders →