Alliance, NE · Charter 4176
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
5
Asset Quality
25
Profitability
80
Liquidity
69
Efficiency
30
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Alliance, NE · Charter 4176
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.28% | -0.99% | -1.11% | 0.17% | 0.90% | +217 bps | |
| Return on Equity | -17.73% | -13.63% | -16.69% | 2.36% | 10.84% | +2,858 bps | |
| Net Interest Margin | 2.21% | 2.41% | 2.64% | 3.83% | 5.29% | +307 bps | |
| Efficiency Ratio | 148.81% | 134.62% | 119.45% | 96.24% | 85.01% | -6,381 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 18.16% | 4.50% | 6.75% | -4.69% | -18.27% | -3,643 bps | |
| Loan Growth (YoY) | -4.43% | -5.80% | -5.05% | -5.40% | -9.77% | -534 bps | |
| Share Growth (YoY) | 20.35% | 6.05% | 9.35% | -3.31% | -18.40% | -3,875 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.27% | 3.55% | 2.52% | 1.71% | 1.31% | +104 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.63% | 0.50% | 1.25% | 1.35% | 1.38% | +75 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.19% | 7.26% | 6.62% | 7.10% | 8.27% | +108 bps | |
| Net Worth / Assets | 7.19% | 7.26% | 6.62% | 7.10% | 8.27% | +108 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 69.05% | 68.85% | 64.70% | 67.21% | 76.35% | +730 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Alliance, NE · Charter 4176 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
0.89%
Rank 690 of 1,683
Net Interest Margin
5.31%
Rank 97 of 1,683
Efficiency Ratio
84.62%
Rank 1,171 of 1,682
Equity / Assets
8.28%
Rank 1,601 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.89% | 0.35% | 0.74% | 1.18% | Beats 59% | 690 / 1,683 | |
| Return on Equity | 10.80% | 2.67% | 5.89% | 8.74% | Beats 87% | 219 / 1,681 | |
| Net Interest Margin | 5.31% | 3.31% | 3.82% | 4.32% | Beats 94% | 97 / 1,683 | |
| Efficiency Ratio | 84.62% | 68.91% | 78.20% | 86.93% | Beats 30% | 1,171 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.31% | 0.26% | 0.65% | 1.29% | Beats 25% | 1,269 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.28% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,601 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.28% | 10.44% | 12.89% | 16.53% | Beats 5% | 1,601 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 76.35% | 52.61% | 69.38% | 83.50% | 62nd pctl | 635 / 1,683 | |
| Loans / Assets | 69.44% | 44.71% | 59.18% | 70.72% | 72nd pctl | 466 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||