State credit union · Farmington Hill, Michigan · NCUA charter #61759
Alliance Catholic
Health score 95/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $672.3M
- Total assets
- 32,902
- Members
- 11.1%
- Net-worth ratio
Alliance Catholic - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #61759, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Alliance Catholic - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth70
- Liquidity (loan-to-share)100
Weighted composite: 95/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
11.13% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.13% | 30% |
| Delinquency Rate | 0.36% | 25% |
| Return on Assets | 1.52% | 15% |
| Member Growth | 1.23% | 15% |
| Loan-to-Share Ratio | 71.37% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $672.3M | 32,902 |
| 2024Q4 | $627.2M | 32,501 |
| 2023Q4 | $637.8M | 32,361 |
Credit Union Details
- Charter Number
- 61759
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Farmington Hill
- Data Quarter
- 2025Q4
What This Data Says About Alliance Catholic
32,902 members and $672.3M in total assets sit behind Alliance Catholic, a state credit union in Farmington Hill, Michigan, which posts a health score of 95/100 (Excellent) on the five-factor composite, with $419.1M in outstanding loans as of Q4 2025 and a net worth ratio of 11.13% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #61759 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
0.36% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers. Deposit deployment is captured by the 71.37% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.52% on net income of $10.2M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.23%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Michigan
A look at other Michigan credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Alliance Catholic financially healthy?
A 11.13% net worth ratio and a 0.36% delinquency rate feed into Alliance Catholic's financial health score of 95/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Alliance Catholic compare to other credit unions?
Five weighted metrics from NCUA filings produce Alliance Catholic's 95/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Catholic?
Membership eligibility for Alliance Catholic depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Alliance Catholic directly for current membership requirements and application steps.
Is my money safe at Alliance Catholic?
Federal credit unions like Alliance Catholic 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 Catholic's net worth ratio of 11.13% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Alliance Catholic offer compared to banks?
Credit unions like Alliance Catholic 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 Catholic directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.