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
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 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Texas, Irving City Employees (#72) ties at 92/100; one place down, First Service (#74) ties at 92/100.
How ALLIANCE's 5300 filing moved
ALLIANCE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +60.9% from $679.6M (2025Q4) to $1.09B (2026Q1).
- Net-worth ratio shifted -0.39 pp (11.34% → 10.95%).
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
ALLIANCE gives up 8 points in total. Delinquency Rate costs the most, 4.5 of its 25; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is ALLIANCE financially healthy?
ALLIANCE has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #808 of 4,374 nationally on health and #73 of 386 in Texas. Its net worth ratio is 10.95% and its delinquency rate 0.95%.
How does ALLIANCE compare to other credit unions?
ALLIANCE scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (97.30% vs 83.90%). Its widest shortfall is net worth ratio (10.95% vs 11.18%).
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 federal 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 10.95% 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.