Federal credit union · Alliance, Nebraska · NCUA charter #6974
Consumers Cooperative
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $50.3M
- Total assets
- 3,420
- Members
- 19.8%
- Net-worth ratio
Consumers Cooperative scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $50.3M; members 3,420; net-worth ratio 19.83%; health rank #567 of 4,374; healthier than 84th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#567 of 4,374 health · 2025Q4Consumers Cooperative · health 93/100 · $50.3M · 2025Q4
Call Report peers
Consumers Cooperative in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Consumers Cooperative vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Consumers Cooperative sits in 90-94 with 747 others.
93 Top 16% higher than 84% 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
Consumers Cooperative vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +18.62 pp (81.22% vs 62.60%).
Where Consumers Cooperative sits in Nebraska
- In Nebraska, health place is #6 of 50 on the same NCUA-ratio sort used nationally.
- Nebraska assets place: #22 of 50.
- Member book place in Nebraska: #24 of 50.
- One place up in Nebraska, Metro Cu (#5) scores 95/100, 2 points higher; one place down, Hemingford Community (#7) scores 92/100, 1 point lower.
Consumers Cooperative Call Report trajectory
Consumers Cooperative: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.3% from $50.3M (2025Q4) to $52.9M (2026Q1).
- Net-worth ratio shifted -0.70 pp (20.53% → 19.83%).
19.83% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Consumers Cooperative gives up 7 points in total. Delinquency Rate costs the most, 3.6 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.4 pts
- Return on Assets 15.0 pts
- Member Growth 11.8 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for Consumers Cooperative
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.83% | +6.21 pp |
| Delinquency Rate | 0.86% | -0.11 pp |
| Return on Assets | 1.14% | +0.49 pp |
| Member Growth | 2.30% | - |
| Loan-to-Share Ratio | 81.22% | +18.62 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Consumers Cooperative quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $52.9M | - |
| 2025Q4 | $50.3M | 3,420 |
| 2024Q4 | $46.2M | 3,343 |
| 2023Q4 | $38.2M | 3,240 |
Credit Union Details
- Charter Number
- 6974
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $50M–$100M
- State
- Nebraska
- City
- Alliance
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Consumers Cooperative runs one office.
| Office | City |
|---|---|
| Consumers Cooperative FCU (Main Office) | Alliance, NE |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Nebraska
Other federally-insured credit unions in Nebraska, closest first by peer group and asset size.
Other-state peers near Consumers Cooperative
Using this data
- Consumers Cooperative ranks #567 of 4,374 nationally on financial health and #6 of 50 in NE -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Spirit of America is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Spirit of America
Frequently Asked Questions
Is Consumers Cooperative financially healthy?
On its 2025Q4 NCUA 5300 filing, Consumers Cooperative scores 93/100 (Excellent), with a 19.83% net worth ratio and 0.86% of loans delinquent. It ranks #567 of 4,374 nationally on health and #6 of 50 in Nebraska.
How does Consumers Cooperative compare to other credit unions?
Consumers Cooperative scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (81.22% vs 62.60%).
How can I join Consumers Cooperative?
Consumers Cooperative operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Consumers Cooperative directly for the exact boundaries and application steps.
Is my money safe at Consumers Cooperative?
Consumers Cooperative 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. Consumers Cooperative's net worth ratio of 19.83% 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.