PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Alliance

Lubbock, TX · Charter 97103

NCUA · 10 branches

Q2 2026

$1.1BAssets
$902.5MLoans
$943.8MShares
$121.7MNet 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 0.72%, down 26 bps year over year; NIM at 3.63%.
  • Asset quality: problem loans at 1.07% of loans (+32 bps YoY).
  • Capital: net worth / assets of 10.90%, down 54 bps from a year ago.
  • Funding: loans stand at 95.63% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.72%-26 bps YoY

Net Interest Margin (YTD, annualized)

3.63%-20 bps YoY

Efficiency Ratio (YTD, annualized)

78.00%+577 bps YoY

Net Worth / Assets

10.90%-54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%0.96%0.91%0.76%0.72%-26 bps
Return on Equity8.52%8.37%8.02%6.91%6.57%-195 bps
Net Interest Margin3.83%3.92%3.86%3.64%3.63%-20 bps
Efficiency Ratio72.23%73.26%74.07%76.60%78.00%+577 bps
Growth
Asset Growth (YoY)6.85%6.99%9.32%71.14%72.48%+6,563 bps
Loan Growth (YoY)9.79%7.99%6.74%58.63%63.25%+5,346 bps
Share Growth (YoY)2.16%7.09%9.11%73.91%74.08%+7,192 bps
Asset Quality
Delinquent Loans / Loans0.75%0.93%0.95%0.77%1.07%+32 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 Capital11.44%11.53%11.34%10.95%10.90%-54 bps
Net Worth / Assets11.44%11.53%11.34%10.95%10.90%-54 bps
Liquidity & Funding
Loans / Shares101.97%96.36%97.30%90.55%95.63%-635 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps