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
Call Report peers
ALLIANCE in the assets neighbourhood
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ALLIANCE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ALLIANCE sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Missouri, J C Federal Employees (#60) ties at 78/100; one place down, PATRIOT (#62) ties at 78/100.
ALLIANCE: 2025Q4 → 2026Q1
ALLIANCE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.6% from $399.5M (2025Q4) to $422.0M (2026Q1).
- Net-worth ratio shifted +0.02 pp (11.80% → 11.82%).
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
ALLIANCE gives up 22 points in total. Loan-to-Share Ratio costs the most, 8.9 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is ALLIANCE financially healthy?
On its 2025Q4 NCUA 5300 filing, ALLIANCE scores 78/100 (Very Good), with a 11.82% net worth ratio and 1.14% of loans delinquent. It ranks #2,982 of 4,374 nationally on health and #61 of 89 in Missouri.
How does ALLIANCE compare to other credit unions?
ALLIANCE scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (111.79% vs 72.20%). Its widest shortfall is net worth ratio (11.82% vs 12.11%).
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?
ALLIANCE is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.