First Alliance
Rochester, MN · Charter 62872 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$358.5MAssets
$258.4MLoans
$296.0MShares
$35.7MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 99% of credit unions under $1B in assets (rank 22 of 1681).
- Widest gap: equity / assets trails 80% of credit unions under $1B in assets (rank 1354 of 1683).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.77%
Rank 138 of 1,683
Net Interest Margin
5.48%
Rank 74 of 1,683
Efficiency Ratio
69.25%
Rank 434 of 1,682
Equity / Assets
9.95%
Rank 1,354 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.77% | 0.35% | 0.74% | 1.18% | Beats 92% | 138 / 1,683 | | |
| Return on Equity | 17.77% | 2.67% | 5.89% | 8.74% | Beats 99% | 22 / 1,681 | | |
| Net Interest Margin | 5.48% | 3.31% | 3.82% | 4.32% | Beats 96% | 74 / 1,683 | | |
| Efficiency Ratio | 69.25% | 68.91% | 78.20% | 86.93% | Beats 74% | 434 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.19% | 0.26% | 0.65% | 1.29% | Beats 27% | 1,224 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.95% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,354 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.95% | 10.44% | 12.89% | 16.53% | Beats 20% | 1,354 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 87.30% | 52.61% | 69.38% | 83.50% | 82nd pctl | 311 / 1,683 | | |
| Loans / Assets | 72.09% | 44.71% | 59.18% | 70.72% | 78th pctl | 374 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |