Credit Union Safety Analysis
Is Alliance Credit Union Safe? Fenton, Missouri
Based on its Q2 2026 NCUA 5300 call report, Alliance Credit Union has a net worth ratio of 11.74%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.69%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Alliance Credit Union's net worth ratio is 11.74%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.74%
- Delinquency ratio (60+ days) (Q2 2026): 0.69%
- Return on assets (Q2 2026): 0.70%
- Loan-to-share ratio (Q2 2026): 106.57%
Alliance Credit Union (NCUA charter 63789, established 1948) reported $423.1M in assets and 20,718 members for Q2 2026 from Fenton, Missouri. It ranks 10 of 85 credit unions in Missouri by total assets. Total assets grew 14.2% from $370.6M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 11.82% for Q1 2026; 12.17% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.53% for Q1 2026; 0.50% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.65% for Q1 2026; 0.97% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 103.30% for Q1 2026; 115.34% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $210.3M
- Used vehicle loans: $55.7M
- Other secured non-real estate loans and lines of credit: $30.8M
- Commercial loans: $24.1M
- New vehicle loans: $21.1M
- Other unsecured loans and lines of credit: $2.9M
- Non-federally guaranteed student loans: $563K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $423.1M | 11.74% | 0.69% | 0.70% | 106.57% |
| March 31, 2026 | $422.0M | 11.82% | 0.53% | 0.65% | 103.30% |
| December 31, 2025 | $399.5M | 11.80% | 1.14% | 0.69% | 111.79% |
| September 30, 2025 | $395.6M | 12.04% | 0.61% | 0.72% | 112.65% |
| June 30, 2025 | $370.6M | 12.17% | 0.50% | 0.97% | 115.34% |
| March 31, 2025 | $375.1M | 11.78% | 0.54% | 0.66% | 116.82% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 63789) · FFIEC NIC profile (RSSD 900892)
Frequently asked questions
Is Alliance Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Alliance Credit Union's net worth ratio is 11.74%, above the 7% NCUA threshold for well capitalized.
Is Alliance Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Alliance Credit Union is a federally insured credit union (NCUA charter 63789): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Alliance Credit Union's key safety ratios?
For Q2 2026, Alliance Credit Union reports net worth 11.74%, delinquency 0.69%, ROA 0.70%, loan-to-share 106.57%.
What happens to my money if Alliance Credit Union fails?
For Q2 2026, Alliance Credit Union held $324.0M in shares and deposits for 20,718 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.