Federal credit union · Rockford, Illinois · NCUA charter #81402
MEMBERSALLIANCE
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $290.1M
- Total assets
- 21,868
- Members
- 9.0%
- Net-worth ratio
MEMBERSALLIANCE scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $290.1M; members 21,868; net-worth ratio 9.02%; health rank #705 of 4,374; healthier than 84th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#705 of 4,374 health · 2025Q4MEMBERSALLIANCE · health 93/100 · $290.1M · 2025Q4
- CAMELS 93/100
- HEALTH 9.0%
- NW 0.56%
- DELQ 1.00%
- ROA $290.1M
- ASSETS 21,868
- MEM #705/4,374
- RANK Energy One
- PHOTO 81402
MEMBERSALLIANCE in the assets neighbourhood
MEMBERSALLIANCE's $290.1M assets sit next to Energy One ($289.6M) 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.
MEMBERSALLIANCE 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
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
MEMBERSALLIANCE - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #81402 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
MEMBERSALLIANCE vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +4.15 pp (76.35% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -3.09 pp (9.02% 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.
MEMBERSALLIANCE: in-state Call Report ranks
- In Illinois, health place is #26 of 192 on the same NCUA-ratio sort used nationally.
- Illinois assets place: #35 of 192.
- Illinois membership ordinal: #30 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How MEMBERSALLIANCE's 5300 filing moved
MEMBERSALLIANCE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.9% from $290.1M (2025Q4) to $307.2M (2026Q1).
- Net-worth ratio shifted -0.36 pp (9.38% → 9.02%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.02% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 27.6 pts
- Delinquency Rate 24.4 pts
- Return on Assets 15.0 pts
- Member Growth 11.1 pts
- Loan-to-Share Ratio 14.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.02% | -3.09 pp |
| Delinquency Rate | 0.56% | -0.33 pp |
| Return on Assets | 1.00% | +0.37 pp |
| Member Growth | 1.72% | - |
| Loan-to-Share Ratio | 76.35% | +4.15 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).
MEMBERSALLIANCE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $307.2M | - |
| 2025Q4 | $290.1M | 21,868 |
| 2024Q4 | $281.8M | 21,499 |
| 2023Q4 | $284.5M | 21,256 |
Credit Union Details
- Charter Number
- 81402
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Illinois
- City
- Rockford
- Data Quarter
- 2025Q4
Branch Locations (5)
MEMBERSALLIANCE operates 5 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| NImtz (Main Office) | Loves Park, IL |
| Alpine | Rockford, IL |
| Olde Creek | Rockford, IL |
| West Riverside Branch | Rockford, IL |
| Roscoe Branch | Roscoe, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
A look at other Illinois credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for MEMBERSALLIANCE, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($290.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- MEMBERSALLIANCE ranks #705 of 4,374 nationally on financial health and #26 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Decatur Earthmover is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Decatur Earthmover
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois 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 MEMBERSALLIANCE financially healthy?
MEMBERSALLIANCE scores 93/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #705 of 4,374; by total assets it ranks #1,051 of 4,374 nationally (same basis as /rankings/largest); and #35 of 192 within Illinois. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 9.02% net worth ratio and a 0.56% delinquency rate.
How does MEMBERSALLIANCE compare to other credit unions?
93/100 is MEMBERSALLIANCE's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 MEMBERSALLIANCE?
Membership eligibility for MEMBERSALLIANCE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact MEMBERSALLIANCE directly for current membership requirements and application steps.
Is my money safe at MEMBERSALLIANCE?
Federal credit unions like MEMBERSALLIANCE 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. MEMBERSALLIANCE's net worth ratio of 9.02% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does MEMBERSALLIANCE offer compared to banks?
Credit unions like MEMBERSALLIANCE 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 MEMBERSALLIANCE 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.