Alliance
Lubbock, TX · Charter 97103 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 10 branches
Q2 2026
$1.1BAssets
$902.5MLoans
$943.8MShares
$121.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 66% of credit unions $1B-$10B in assets (rank 145 of 435).
- Widest gap: nonperforming loans / loans trails 76% of credit unions $1B-$10B in assets (rank 331 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.72%
Rank 263 of 435
Net Interest Margin
3.63%
Rank 145 of 435
Efficiency Ratio
78.00%
Rank 331 of 435
Equity / Assets
10.90%
Rank 213 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.72% | 0.55% | 0.81% | 1.14% | Beats 40% | 263 / 435 | |
| Return on Equity | 6.57% | 5.12% | 7.41% | 9.70% | Beats 40% | 263 / 435 | |
| Net Interest Margin | 3.63% | 3.01% | 3.39% | 3.75% | Beats 66% | 145 / 435 | |
| Efficiency Ratio | 78.00% | 65.25% | 71.39% | 77.86% | Beats 24% | 331 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.07% | 0.45% | 0.69% | 1.05% | Beats 24% | 331 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.90% | 9.81% | 10.84% | 12.63% | Beats 51% | 213 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.90% | 9.81% | 10.84% | 12.63% | Beats 51% | 213 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 95.63% | 78.33% | 88.38% | 95.61% | 75th pctl | 108 / 435 | |
| Loans / Assets | 80.81% | 67.69% | 74.58% | 80.80% | 75th pctl | 108 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |