State credit union · Fenton, Missouri · NCUA charter #63789
ALLIANCE
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $399.5M
- Total assets
- 20,927
- Members
- 11.8%
- Net-worth ratio
ALLIANCE scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $399.5M; members 20,927; net-worth ratio 11.82%; health rank #2,982 of 4,374; healthier than 31st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,982 of 4,374 health · 2025Q4ALLIANCE · health 78/100 · $399.5M · 2025Q4
- CHARTER 78/100
- NCUSIF 11.8%
- CAMELS 1.14%
- HEALTH 0.64%
- NW $399.5M
- DELQ 20,927
- ROA #2,982/4,374
- ASSETS TEN
- MEM 63789
Call Report peers
ALLIANCE in the assets neighbourhood
ALLIANCE's $399.5M assets sit next to TEN ($399.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ALLIANCE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ALLIANCE - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #63789, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for ALLIANCE
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +39.59 pp (111.79% vs 72.20%).
- Net Worth Ratio trails the peer set - 11.82% here, 12.11% peer average (-0.29 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
ALLIANCE: in-state Call Report ranks
- Health composite ranks #61 of 89 among scored Missouri credit unions.
- By total assets, ALLIANCE is #11 of 89 in Missouri.
- Member book place in Missouri: #15 of 89.
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ALLIANCE: 2025Q4 → 2026Q1
ALLIANCE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.6% from $399.5M (2025Q4) to $422.0M (2026Q1).
- Net-worth ratio shifted +0.02 pp (11.80% → 11.82%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.82%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 6.3 pts
Call Report ratios for ALLIANCE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.82% | -0.29 pp |
| Delinquency Rate | 1.14% | +0.24 pp |
| Return on Assets | 0.64% | +0.01 pp |
| Member Growth | -0.73% | - |
| Loan-to-Share Ratio | 111.79% | +39.59 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
ALLIANCE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $422.0M | - |
| 2025Q4 | $399.5M | 20,927 |
| 2024Q4 | $374.5M | 21,081 |
| 2023Q4 | $390.3M | 22,195 |
Credit Union Details
- Charter Number
- 63789
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Missouri
- City
- Fenton
- Data Quarter
- 2025Q4
Branch Locations (6)
The NCUA branch filing lists 6 physical offices for ALLIANCE, spread across 6 cities.
| Office | City |
|---|---|
| Administrative Center & Branch (Main Office) | Fenton, MO |
| Hazelwood Branch | Hazelwood, MO |
| Jennings Branch | Jennings, MO |
| O'Fallon Branch | O Fallon, MO |
| Fyler Branch | Saint Louis, MO |
| Wentzville Branch | Wentzville, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, ordered by peer group match and asset size.
ALLIANCE nationwide neighbourhoods
Cross-state asset and health neighbours for ALLIANCE - kept outside Missouri; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($399.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- ALLIANCE ranks #2,982 of 4,374 nationally on financial health and #61 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ALLTRU is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ALLTRU
- Rates and health both vary by institution, not just by state -- see how Missouri credit unions compare overall before assuming this one is typical. Missouri state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ALLIANCE financially healthy?
ALLIANCE scores 78/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,982 of 4,374; by total assets it ranks #869 of 4,374 nationally (same basis as /rankings/largest); and #11 of 89 within Missouri. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.82% net worth ratio and a 1.14% delinquency rate.
How does ALLIANCE compare to other credit unions?
ALLIANCE scores 78/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join ALLIANCE?
Membership eligibility for ALLIANCE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ALLIANCE directly for current membership requirements and application steps.
Is my money safe at ALLIANCE?
Federal credit unions like ALLIANCE are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ALLIANCE's net worth ratio of 11.82% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ALLIANCE offer compared to banks?
Credit unions like ALLIANCE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ALLIANCE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.