Federal credit union · Lubbock, Texas · NCUA charter #97103
ALLIANCE
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $679.6M
- Total assets
- 57,077
- Members
- 10.9%
- Net-worth ratio
ALLIANCE scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $679.6M; members 57,077; net-worth ratio 10.95%; health rank #808 of 4,374; healthier than 80th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#808 of 4,374 health · 2025Q4ALLIANCE · health 92/100 · $679.6M · 2025Q4
- CAMELS 92/100
- HEALTH 10.9%
- NW 0.95%
- DELQ 0.83%
- ROA $679.6M
- ASSETS 57,077
- MEM #808/4,374
- RANK NORTHERN
- PHOTO 97103
Call Report peers
ALLIANCE in the assets neighbourhood
ALLIANCE's $679.6M assets sit next to NORTHERN ($678.4M) 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
92 Top 20% higher than 80% 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
The 2025Q4 NCUA Call Report puts charter #97103 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
ALLIANCE: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +13.40 pp (97.30% vs 83.90%).
- Largest lag: Net Worth Ratio at 10.95% vs peer 11.18% (-0.23 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where ALLIANCE sits in Texas
- In Texas, health place is #73 of 386 on the same NCUA-ratio sort used nationally.
- Assets rank #52 of 386 inside Texas ($679.6M reported).
- Membership ranks #46 of 386 among Texas CUs with a reported count (57,077 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How ALLIANCE's 5300 filing moved
ALLIANCE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +60.9% from $679.6M (2025Q4) to $1.09B (2026Q1).
- Net-worth ratio shifted -0.39 pp (11.34% → 10.95%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
10.95% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.5 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 11.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.95% | -0.23 pp |
| Delinquency Rate | 0.95% | +0.08 pp |
| Return on Assets | 0.83% | +0.33 pp |
| Member Growth | 8.54% | - |
| Loan-to-Share Ratio | 97.30% | +13.40 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - ALLIANCE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.09B | - |
| 2025Q4 | $679.6M | 57,077 |
| 2024Q4 | $621.7M | 52,587 |
| 2023Q4 | $568.7M | 46,883 |
Credit Union Details
- Charter Number
- 97103
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Texas
- City
- Lubbock
- Data Quarter
- 2025Q4
Branch Locations (16)
The NCUA branch filing lists 16 physical offices for ALLIANCE, spread across 6 cities.
| Office | City |
|---|---|
| Spur 327 (Main Office) | Lubbock, TX |
| Amarillo | Amarillo, TX |
| Big Spring | Big Spring, TX |
| Boerne | Boerne, TX |
| Golden Triangle | Fort Worth, TX |
| Polaris Branch | Fort Worth, TX |
| Quaker Branch | Lubbock, TX |
| Northwest Branch | Lubbock, TX |
| South Branch | Lubbock, TX |
| Central Branch | Lubbock, TX |
| Medical Branch | Lubbock, TX |
| Southwest Branch | Lubbock, TX |
| Indiana | Lubbock, TX |
| Braun | San Antonio, TX |
| SA Medical | San Antonio, TX |
| UTSA Boulevard | San Antonio, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
ALLIANCE nationwide neighbourhoods
Two NCUA Call Report peer sets for ALLIANCE, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($679.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- ALLIANCE ranks #808 of 4,374 nationally on financial health and #73 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Abilene Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Abilene Teachers
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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?
Based on NCUA 5300 Call Report data as of Q4 2025, ALLIANCE carries a financial health score of 92/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #808 of 4,374; by total assets it ranks #628 of 4,374 nationally (same basis as /rankings/largest); and #52 of 386 within Texas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.95% net worth ratio and a 0.95% delinquency rate.
How does ALLIANCE compare to other credit unions?
On PlainCU's health composite, ALLIANCE lands at 92/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 10.95% 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.