Alliance Credit Union
Lubbock, TX·Charter 97103·cu:97103·Credit union RBC / net worth
- #33 of 380Total assets in Texas
- 82.9Kmembers
- #6 of 2,812Share growth in the U.S.
- #7 of 2,364Loan growth in the U.S.
- #8 of 2,107Member growth in the U.S.
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Alliance Credit Union
14 of 24 FORFI signals stand out against 309 similar credit unions, based on NCUA data for the quarter.
Reliance on share certificates falling while the peer median risesNotable: Funding 2nd quarter44.7%peers 28.1%+16.6 pp
Alliance Credit Union's certificates' share of shares fell 8.3 percentage points over the past year to 44.7%. Among 307 similar credit unions, the median rose 0.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Certificates' share of shares | ||
| 44.7% | 28.1% | +16.6 pp |
| 12-month change | ||
| -8.3 pp | +0.2 pp | -8.6 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Alliance Credit Union itself is left out of every peer median and percentile. How signals work
Total assets growing faster than peersStrength: Growth+72.5%peers +5.2%+67.3 pp
Alliance Credit Union's total assets grew 72.5% over the past year to $1.1 billion. The median among 307 similar credit unions was +5.2%.
| This institution | Peer median | Difference |
|---|---|---|
| Total assets, 12-month growth | ||
| +72.5% | +5.2% | +67.3 pp |
| Total assets | ||
| $1.1 billion | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Alliance Credit Union itself is left out of every peer median and percentile. How signals work
Loans growing faster than peersStrength: Lending+63.2%peers +5.8%+57.4 pp
Alliance Credit Union's loans grew 63.2% over the past year to $903 million. The median among 307 similar credit unions was +5.8%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +63.2% | +5.8% | +57.4 pp |
| Loans | ||
| $903 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Alliance Credit Union itself is left out of every peer median and percentile. How signals work
Membership growing faster than peersStrength: Membership+52.4%peers +1.8%+50.6 pp
Alliance Credit Union's membership grew 52.4% over the past year. The median among 307 similar credit unions was +1.8%.
| This institution | Peer median | Difference |
|---|---|---|
| Membership, 12-month growth | ||
| +52.4% | +1.8% | +50.6 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Alliance Credit Union itself is left out of every peer median and percentile. How signals work
Net interest margin narrowing while the peer median widensWorth a look: Earnings3.75%peers 3.54%+21 bps
Alliance Credit Union's net interest margin on average assets fell 29 bps over the past year to 3.75%. Among 307 similar credit unions, the median rose 15 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin on average assets | ||
| 3.75% | 3.54% | +21 bps |
| 12-month change | ||
| -29 bps | +15 bps | -44 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Alliance Credit Union itself is left out of every peer median and percentile. How signals work
9 more observations
- Shares and deposits growing faster than peersFunding
- Share and deposit costs falling faster than peersFunding
- Auto lending growing while the peer median shrinksLending
- Commercial lending growing with steady creditLending
- Member business lending growing faster than peersLending
- Net charge-offs falling while the peer median holds steadyAsset quality
- Efficiency ratio rising while the peer median fallsEfficiency
- Fee and other noninterest income among the highest of similar credit unionsEarnings
- Return on assets falling while the peer median risesEarnings
Key facts
- Alliance Credit Union is a state-chartered credit union headquartered in Lubbock, Texas. It reported $1.1 billion in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $944 million, up 74.1% from a year earlier, and loans totaled $903 million, up 63.2%.
- Its net interest margin on average assets was 3.75% and its annualized return on assets was 0.70% for the quarter.
- Its cost of all shares and deposits was 1.96%, compared with a median of 1.66% among 309 similar credit unions with $1 billion to $3 billion in assets.
- It served 82,909 members, up 52.4% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Alliance Credit Union's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Alliance Credit Union · Credit union
- NCUA charter
- 97103
- Reporting period
- Peer group
- 309 credit unions with $1 billion to $3 billion in assets that filed NCUA data for the same quarter. Alliance Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $1.93M | |
| $15.09M | |
| $4.75M | |
| $10.33M | |
| $6.27M | |
| $13.18M | |
| $1.5M | |
| $1.5M | |
| 0.70% | |
| 3.75% | |
| 79.33% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.