PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Alliance

Fenton, MO · Charter 63789

NCUA · 6 branches

Q2 2026

$423.1MAssets
$345.3MLoans
$324.0MShares
$47.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.68%, down 14 bps year over year; NIM at 2.97%.
  • Asset quality: problem loans at 0.69% of loans (+19 bps YoY).
  • Capital: net worth / assets of 11.18%, down 101 bps from a year ago.
  • Funding: loans stand at 106.57% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.68%-14 bps YoY

Net Interest Margin (quarter, annualized)

2.97%-25 bps YoY

Efficiency Ratio (quarter, annualized)

77.12%+97 bps YoY

Net Worth / Assets

11.18%-101 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.82%0.75%0.73%0.65%0.68%-14 bps
Return on Equity6.73%6.49%6.38%5.93%6.07%-66 bps
Net Interest Margin3.21%3.04%3.04%2.89%2.97%-25 bps
Efficiency Ratio76.15%77.29%77.35%74.73%77.12%+97 bps
Growth
Asset Growth (YoY)-2.70%4.82%6.67%12.51%14.17%+1,687 bps
Loan Growth (YoY)-2.47%-2.55%-0.43%-0.41%4.42%+689 bps
Share Growth (YoY)-2.73%0.15%6.95%12.62%13.01%+1,574 bps
Asset Quality
Delinquent Loans / Loans0.50%0.61%1.14%0.53%0.69%+19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.19%11.60%11.48%11.03%11.18%-101 bps
Net Worth / Assets12.19%11.60%11.48%11.03%11.18%-101 bps
Liquidity & Funding
Loans / Shares115.34%112.65%111.79%103.30%106.57%-877 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps