Credit Union Safety Analysis
Is Alliance Credit Union Safe? Lubbock, Texas
Based on its Q2 2026 NCUA 5300 call report, Alliance Credit Union has a net worth ratio of 10.90%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.07%, 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 10.90%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.90%
- Delinquency ratio (60+ days) (Q2 2026): 1.07%
- Return on assets (Q2 2026): 0.69%
- Loan-to-share ratio (Q2 2026): 95.63%
Alliance Credit Union (NCUA charter 97103, established 1940) reported $1.12B in assets and 82,909 members for Q2 2026 from Lubbock, Texas. It ranks 33 of 377 credit unions in Texas by total assets. Total assets grew 72.5% from $647.5M on June 30, 2025. It has 28,518 more members than on June 30, 2025 (+52.4%). Its net worth ratio was down 0.54 percentage points from 11.44% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $428.6M of $902.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.07% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 10.95% for Q1 2026; 11.44% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.77% for Q1 2026; 0.75% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.76% for Q1 2026; 1.09% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 90.55% for Q1 2026; 101.97% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $428.6M
- Used vehicle loans: $208.5M
- Commercial loans: $170.1M
- New vehicle loans: $65.6M
- Unsecured credit card loans: $11.1M
- Other unsecured loans and lines of credit: $9.7M
- Other secured non-real estate loans and lines of credit: $8.8M
- Non-federally guaranteed student loans: $228K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.12B | 10.90% | 1.07% | 0.69% | 95.63% |
| March 31, 2026 | $1.09B | 10.95% | 0.77% | 0.76% | 90.55% |
| December 31, 2025 | $679.6M | 11.34% | 0.95% | 0.85% | 97.30% |
| September 30, 2025 | $656.2M | 11.53% | 0.93% | 0.97% | 96.36% |
| June 30, 2025 | $647.5M | 11.44% | 0.75% | 1.09% | 101.97% |
| March 31, 2025 | $638.9M | 11.32% | 0.91% | 0.88% | 99.27% |
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Free to use. It shows Alliance Credit Union’s latest filed figures and updates each quarter.
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 97103) · FFIEC NIC profile (RSSD 520179)
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 10.90%, 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 97103): 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 10.90%, delinquency 1.07%, ROA 0.69%, loan-to-share 95.63%.
What happens to my money if Alliance Credit Union fails?
For Q2 2026, Alliance Credit Union held $943.8M in shares and deposits for 82,909 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.