State credit union · Rochester, Minnesota · NCUA charter #62872
First Alliance
Health score 88/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $301.0M
- Total assets
- 21,351
- Members
- 10.6%
- Net-worth ratio
First Alliance - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #62872 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
First Alliance - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)64
- Earnings (ROA)100
- Member growth87
- Liquidity (loan-to-share)92
Weighted composite: 88/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.60% 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 | 10.60% | 30% |
| Delinquency Rate | 1.53% | 25% |
| Return on Assets | 0.72% | 15% |
| Member Growth | 3.43% | 15% |
| Loan-to-Share Ratio | 92.53% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About First Alliance
First Alliance is a state credit union headquartered in Rochester, Minnesota, serving 21,351 members with $301.0M in total assets and $235.9M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 88/100 (Excellent), anchored by a net worth ratio of 10.60% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #62872 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Deposits deployed into lending sit at a 92.53% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 1.53% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Return on assets stands at 0.72% on net income of $2.2M 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 3.43%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Minnesota
Other federally-insured credit unions in Minnesota, closest first by peer group and asset size.
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 First Alliance financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, First Alliance carries a financial health score of 88/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.60% net worth ratio and a 1.53% delinquency rate.
How does First Alliance compare to other credit unions?
On PlainCU's health composite, First Alliance lands at 88/100, compared to a peer group average for $100M–$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 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?
Federal credit unions like First 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. First Alliance's net worth ratio of 10.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does First Alliance offer compared to banks?
Credit unions like First 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 First Alliance 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.