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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,493 of 4,374 health · 2025Q4First Alliance · health 88/100 · $301.0M · 2025Q4
- DELQ 88/100
- ROA 10.4%
- ASSETS 1.53%
- MEM 0.72%
- RANK $301.0M
- PHOTO 21,351
- BOOK #1,493/4,374
- CHARTER Decatur Earthmover
- NCUSIF 62872
Call Report peers
First Alliance in the assets neighbourhood
First Alliance's $301.0M assets sit next to Decatur Earthmover ($301.6M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
88 Top 35% higher than 65% 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
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.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
First Alliance Call Report trajectory
First Alliance: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +11.3% from $301.0M (2025Q4) to $335.0M (2026Q1).
- Net-worth ratio shifted -0.36 pp (10.80% → 10.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Cross-state asset and health neighbours for First Alliance - kept outside Minnesota; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($301.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Minnesota credit unions compare overall before assuming this one is typical. Minnesota state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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 the national health ranking (same basis as /rankings/healthiest), it sits at #1,493 of 4,374; by total assets it ranks #1,035 of 4,374 nationally (same basis as /rankings/largest); and #21 of 82 within Minnesota. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.44% 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 10.44% 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.
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.