# ALLIANCE
Fenton, MO · NCUA charter 63789 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/alliance-63789

Who the members are: state charter, organized 1948, low-income designated. 20,852 members of 350,000 potential (6.0% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 654.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $422.0M |
| Members | 20,852 (-3.5% YoY) |
| Full-time staff | 78 |
| Net worth | $46.6M |
| Net worth ratio | 11.0% (p48 of band) |
| ROA (annualized) | 0.65% (p47 of band) |
| Total delinquency | 0.53% (p44 of band) |
| Net charge-offs (annualized) | 0.04% (p7 of band) |
| Loans / shares | 103% (p99 of band) |
| Cash / assets | 12.3% |
| Borrowings / assets | 11.19% |
| Net interest margin | 2.89% (p12 of band) |
| Operating expense / assets | 2.90% (p20 of band) |
| Vehicles % of loans | 22% (p26 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 84% |
| Third-party paper % of net worth | 404% (p97 of band) |
| Vehicle delinquency | 1.26% (p83 of band) |
| Vehicle NCO | 0.69% (p54 of band) |
| Repossessed % of vehicle book | 0.03% (p57 of band) |
| Real estate % of loans | 64% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 1% |
| Commercial % of net worth | 52% |
| Core shares % of member funds | 41% |
| Certificates % of member funds | 28% |
| Average share balance | $8,107 |
| Participations bought / yr | $0 |
| Participations sold / yr | $613,936 |
| Participations outstanding | $36.3M |
| Loans outstanding per 100 members | 654% |
| Loans granted per 100 members, annualized | 32% |
| Average loan balance | $2,447 |
| Loans granted, annualized | $70.9M |

## Participation posture (from the same filings)

Bought $0 and sold $613,936 in the latest annualized quarter; $36.3M outstanding purchased (78.0% of net worth), $254,453 sold and retained. Sold in 8 and bought in 7 of the last 8 quarters. Shares 12.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | loans>95% of shares, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | delinquency rising |  |
| 2017-06 | 3 |  | delinquency rising |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 4 | delinquency 2x band |  |
| 2018-06 | 5 | net worth falling, delinquency rising | delinquency 2x band |
| 2018-09 | 4 | delinquency 2x band | net worth falling, delinquency rising |
| 2018-12 | 3 |  | delinquency 2x band |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | net worth falling |  |
| 2020-06 | 5 | thin capital |  |
| 2020-09 | 6 | delinquency 2x band |  |
| 2020-12 | 4 |  | net worth falling, delinquency 2x band |
| 2021-03 | 6 | margin squeeze, delinquency 2x band, delinquency rising | loans>95% of shares |
| 2021-06 | 4 | loans>95% of shares | margin squeeze, delinquency 2x band, delinquency rising |
| 2021-09 | 2 |  | thin capital, loans>95% of shares |
| 2021-12 | 3 | loans>95% of shares |  |
| 2022-03 | 4 | delinquency 2x band |  |
| 2022-06 | 4 | assets shrinking | delinquency 2x band |
| 2022-09 | 4 | delinquency rising | assets shrinking |
| 2022-12 | 3 |  | delinquency rising |
| 2023-03 | 3 |  |  |
| 2023-06 | 4 | members leaving |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | members leaving |
| 2024-03 | 4 | delinquency rising |  |
| 2024-06 | 3 |  | delinquency rising |
| 2024-09 | 3 |  |  |
| 2024-12 | 5 | assets shrinking, members leaving |  |
| 2025-03 | 4 |  | members leaving |
| 2025-06 | 3 |  | assets shrinking |
| 2025-09 | 4 | members leaving |  |
| 2025-12 | 5 | net worth falling, delinquency rising | members leaving |
| 2026-03 | 5 | members leaving | delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-12-31 [ALLIANCE Credit Union merger effective January 1 - KLBK | KAMC | EverythingLubbock.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxPSm5UNXhIaUU5WDBjSU5KM0N4OGVlbEhYNmNuN1laRS1zWUlkdy0wUFpnaVZfOVV3Q0h3WndVcDZoOFRMQjJOc2h3QkFYa3FlUVljaEUwdE1nSDd2TndYSmFyRWhNWUxuZGI3U183SmYzSGFRVUxQUU5EY1lreGY4VURBampWRVc4ZEtPSDBmU1I3T3VyZzBZa2xDaTd5OHJG0gGmAUFVX3lxTE1oMkd6TWdrOXV6bGhfU1hFREhHRTdMYjZUX0Y2Ukw1TWVrTjI0czFpRkptdmVacjl5RG9UN1VjUGVIVmZDNnNjaVNXaHpORVVhc3ZoQUgzTk1ydnNXczZwR3EwanFmRmN6YkVwMHIzU3BRZVQyVmh6dWVSVlRxTFI2bUlmSVRoYmVTdU1PdGdEUDRmWjg0TUJHaTNsZS04MWUtNWRhM3c?oc=5) · KLBK | KAMC | EverythingLubbock.com
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- 2026-06-02 [Dutch National Team to Hold Community Training Session at Riverside Stadium - Kansas City Current](https://news.google.com/rss/articles/CBMioAFBVV95cUxPOWxuNkk3R0NFSG5qdjUwdFphMWYyaVRPRjhqcHBkMERpTWFpYWtRVDZkbEZQM2FsdWRHR0VycTI5cVJLeEp4M0pMWVlJdFVSWnJ5QWM0dU9Sa0Z1OXJOQ3QtUEc4aUk4UGJjZURiQzVkVWhSc1lFWk9lRngyWG5reTk5b3VwMXFrWTVsVVo2MUs4MHVpSGROSjlTeXo2cVh4?oc=5) · Kansas City Current
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- 2026-02-07 [The Case Against Credit Card Mandates and Price Controls Continues to Build - sbecouncil.org](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPazBXVzU3aGJrR21Fa0lybUdSemcweUFYSnVhUXUzUkpnenBUNldIY0VZS0xrcGsyT2hfa3p0TmJNSjdGVGE1UTQ1dnJoN0I3Z1hTbUZOYWZVc2JRZTB2UDlPQ3ZwQURZTHQ0UWRzQ1ZXb2syRWFrQlFILU5ZN2ZvVkYzcEgwVmRjUkIxcm5CU1FqVURMVGU1MDlpSzhyeFJmXzBBbHVIMU0?oc=5) · sbecouncil.org
- 2026-08-14 [Best CD Rates of September 2026 (Up to 4.15% APY) - The Motley Fool](https://news.google.com/rss/articles/CBMiYEFVX3lxTE01TjI3ZDRmV0VsX0EtUnRTQ0ozT1gwdV8yYms4a3ZGTUQ3Mi1xQ0lCdlA3X2NBaGNBaC1DLTMycmROQmxCbjU1WEdWZTNUVUVyTnZNSUNNYW9IdFdKSXpMdw?oc=5) · The Motley Fool
- 2026-04-29 [Richard Cohen (1958–2026) of Granite City, IL | Obituary - RiverBender.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxQVkN3ZGh5b2F1d2l5Uzhqcy1lRDVKekFpanRpSzFJN1FGRzJweXRxZEdUZnJWT2JrT0t6SjZkNktiaExSUVpaZzJNWkExckFpZTFlaVNlUXplRjh5X3JJNUhqOEtJNzJoMEF5Nlk3V2x2ZUNIOVZxazY3SVVKQk81N1pWb0U5NTNiaS1MWGlWbTg?oc=5) · RiverBender.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63789 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/45.json (key "63789", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=63789
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide