Alliance
Fenton, MO · Charter 63789 · Peer group: credit unions under $1B in assets in the St. Louis, MO-IL area (n=26-27)
NCUA · 6 branches
Q2 2026
$423.1MAssets
$345.3MLoans
$324.0MShares
$47.3MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 62% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 10 of 26).
- Widest gap: net interest margin trails 81% of credit unions under $1B in assets in the St. Louis, MO-IL area (rank 22 of 27).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.68%
Rank 12 of 27
Net Interest Margin
2.97%
Rank 22 of 27
Efficiency Ratio
77.12%
Rank 13 of 27
Equity / Assets
11.18%
Rank 13 of 27
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.68% | 0.25% | 0.67% | 0.86% | Beats 56% | 12 / 27 | |
| Return on Equity | 6.07% | 2.16% | 5.85% | 7.25% | Beats 62% | 10 / 26 | |
| Net Interest Margin | 2.97% | 3.01% | 3.75% | 4.07% | Beats 19% | 22 / 27 | |
| Efficiency Ratio | 77.12% | 71.97% | 77.45% | 89.37% | Beats 56% | 13 / 27 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.69% | 0.24% | 0.77% | 1.40% | Beats 59% | 12 / 27 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.18% | 9.38% | 10.56% | 15.42% | Beats 52% | 13 / 27 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.18% | 9.38% | 10.56% | 15.42% | Beats 52% | 13 / 27 | |
| Liquidity & Funding |
| Loans / Deposits | 106.57% | 56.38% | 74.82% | 87.76% | 93rd pctl | 2 / 27 | |
| Loans / Assets | 81.62% | 50.27% | 64.80% | 77.37% | 89th pctl | 3 / 27 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |