Alliance Credit Union Fenton, Missouri
Alliance Credit Union is a state-chartered credit union headquartered in Fenton, MO, established in 1948 (NCUA charter 63789), and it is regulated and insured by the NCUA. At Q2 2026 it reported 20,718 members and total assets of $423.1M (up 14.2% from Q2 2025), the 10th largest of 85 credit unions headquartered in Missouri. Its net worth ratio was 11.74% at Q2 2026, in the well capitalized band.
Also written as Alliance CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 63789
- Headquarters
- Fenton, MO
- Established
- 1948
- Total assets, Q2 2026
- $423.1M
- Assets vs Q2 2025
- +14.2%
- Members, Q2 2026
- 20,718
- Net worth ratio, Q2 2026
- 11.74%
- Latest call report
- Q2 2026, NCUA 5300 · Alliance Credit Union call report
- Asset rank in state
- 10th of 85 in Missouri
- Routing number
- 281081505
- Branches
- 6
It has 717 fewer members than on June 30, 2025 (-3.3%). Its net worth ratio was down 0.43 percentage points from 12.17% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $210.3M of $345.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.69% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.74% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Missouri
Credit unions merged into Alliance Credit Union
Procter & Gamble Employees Credit Union (2024) · St. Louis Firefighters and Community Credit Union (2023) · Mawc Credit Union (2020) · Arch Community Credit Union (2017) · 1st City Credit Union (2014)
Frequently asked about Alliance Credit Union
How big is Alliance Credit Union?
At Q2 2026 it reported total assets of $423.1M and 20,718 members.
Where is Alliance Credit Union headquartered?
It is headquartered in Fenton, MO, United States.
When was Alliance Credit Union founded?
It was established in 1948, per NCUA records.
Is Alliance Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 63789): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Alliance Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Alliance Credit Union well capitalized?
Its net worth ratio was 11.74% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Alliance Credit Union's delinquency ratio?
Its delinquency ratio was 0.69% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Alliance Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 106.57% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Fenton, MO 63026
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1948
- NCUA Charter #
- 63789
- RSSD ID
- 900892
- Members
- 20,718
- Potential members
- 350,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 11.74% | 11.43% | 54th above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.70% | 0.81% | 43rd below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 6.30% | 7.02% | 44th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.05% | 3.70% | 15th bottom |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 79.40% | 76.55% | 40th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.79% | 1.24% | 15th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.69% | 0.68% | 50th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.84% | 4.92% | 45th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 106.57% | 75.66% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$423.1M total assets against $370.6M; $324.0M total shares and deposits against $286.7M; $345.3M total loans against $330.7M.
$47.3M net worth against $45.2M.
11.74% net worth ratio against 12.17%.
106.57% loan-to-share ratio against 115.34%.
0.69% delinquency ratio against 0.50%.
0.70% return on assets against 0.97%; 6.30% return on equity against 7.95%.
3.05% net interest margin against 3.29%.
20,718 members against 21,435.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.74% | 0.70% | 0.69% | 106.57% |
| March 31, 2026 | 11.82% | 0.65% | 0.53% | 103.30% |
| December 31, 2025 | 11.80% | 0.69% | 1.14% | 111.79% |
| September 30, 2025 | 12.04% | 0.72% | 0.61% | 112.65% |
| June 30, 2025 | 12.17% | 0.97% | 0.50% | 115.34% |
| March 31, 2025 | 11.78% | 0.66% | 0.54% | 116.82% |
Scroll sideways to see every column.
Watch flags
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.