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
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
The busiest band is 85-89 (858 credit unions); MEMBERSALLIANCE 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
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%).
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.
- One place up in Illinois, Normal City Employees (#25) ties at 93/100; one place down, Galesburg Burlington (#27) scores 92/100, 1 point lower.
How MEMBERSALLIANCE's 5300 filing moved
MEMBERSALLIANCE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.9% from $290.1M (2025Q4) to $307.2M (2026Q1).
- Net-worth ratio shifted -0.36 pp (9.38% → 9.02%).
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
MEMBERSALLIANCE gives up 7 points in total. Member Growth costs the most, 3.9 of its 15; Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is MEMBERSALLIANCE financially healthy?
On its 2025Q4 NCUA 5300 filing, MEMBERSALLIANCE scores 93/100 (Excellent), with a 9.02% net worth ratio and 0.56% of loans delinquent. It ranks #705 of 4,374 nationally on health and #26 of 192 in Illinois.
How does MEMBERSALLIANCE compare to other credit unions?
MEMBERSALLIANCE scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (76.35% vs 72.20%). Its widest shortfall is net worth ratio (9.02% vs 12.11%).
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?
MEMBERSALLIANCE 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. MEMBERSALLIANCE's net worth ratio of 9.02% 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.