State credit union · Rochester, Minnesota · NCUA charter #62872
First Alliance
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $301.0M
- Total assets
- 21,351
- Members
- 10.4%
- Net-worth ratio
First Alliance scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $301.0M; members 21,351; net-worth ratio 10.44%; health rank #1,493 of 4,374; healthier than 65th of scored peers.
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#1,493 of 4,374 health · 2025Q4First Alliance · health 88/100 · $301.0M · 2025Q4
Call Report peers
First Alliance in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
First Alliance vs every NCUA-scored credit union
First Alliance sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where First Alliance diverges from peer averages
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +20.33 pp (92.53% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -1.67 pp (10.44% vs 12.11%).
First Alliance: in-state Call Report ranks
- Health composite ranks #41 of 82 among scored Minnesota credit unions.
- Assets rank #21 of 82 inside Minnesota ($301.0M reported).
- Minnesota membership ordinal: #18 of 82.
- One place up in Minnesota, Virginia Coop (#40) ties at 88/100; one place down, NORTHWOODS (#42) ties at 88/100.
First Alliance Call Report trajectory
First Alliance: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +11.3% from $301.0M (2025Q4) to $335.0M (2026Q1).
- Net-worth ratio shifted -0.36 pp (10.80% → 10.44%).
10.44% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
First Alliance gives up 12 points in total. Delinquency Rate costs the most, 9 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.1 pts
- Loan-to-Share Ratio 13.9 pts
Call Report ratios for First Alliance
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.44% | -1.67 pp |
| Delinquency Rate | 1.53% | +0.64 pp |
| Return on Assets | 0.72% | +0.10 pp |
| Member Growth | 3.43% | - |
| Loan-to-Share Ratio | 92.53% | +20.33 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $335.0M | - |
| 2025Q4 | $301.0M | 21,351 |
| 2024Q4 | $270.5M | 20,642 |
| 2023Q4 | $282.6M | 20,366 |
Credit Union Details
- Charter Number
- 62872
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Minnesota
- City
- Rochester
- Data Quarter
- 2025Q4
Branch Locations (5)
First Alliance operates 5 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| 16th Street (Main Office) | Rochester, MN |
| Byron | Byron, MN |
| Lake City | Lake City, MN |
| Commerce Dr | Rochester, MN |
| Stewartville | Stewartville, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
Other federally-insured credit unions in Minnesota, closest first by peer group and asset size.
Cross-state Call Report peers for First Alliance
Similar total assets
Similar health score
Using this data
- First Alliance ranks #1,493 of 4,374 nationally on financial health and #41 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Home Town is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Home Town
Frequently Asked Questions
Is First Alliance financially healthy?
On its 2025Q4 NCUA 5300 filing, First Alliance scores 88/100 (Excellent), with a 10.44% net worth ratio and 1.53% of loans delinquent. It ranks #1,493 of 4,374 nationally on health and #41 of 82 in Minnesota.
How does First Alliance compare to other credit unions?
First Alliance scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (92.53% vs 72.20%). Its widest shortfall is net worth ratio (10.44% vs 12.11%).
How can I join First Alliance?
Membership eligibility for First Alliance depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact First Alliance directly for current membership requirements and application steps.
Is my money safe at First Alliance?
First 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. First Alliance's net worth ratio of 10.44% 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.