# ALLIANT
CHICAGO, IL · NCUA charter 67955 · asset band >$10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/alliant-67955

Who the members are: state charter, organized 1935. 938,005 members of 1,689,139 potential (55.5% of the field); checking penetration 36% (share draft accounts per 100 members); loans per 100 members 32.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $19.66B |
| Members | 938,005 (2.7% YoY) |
| Full-time staff | 916 |
| Net worth | $1.85B |
| Net worth ratio | 9.4% (p25 of band) |
| ROA (annualized) | 0.59% (p29 of band) |
| Total delinquency | 0.94% (p54 of band) |
| Net charge-offs (annualized) | 1.03% (p71 of band) |
| Loans / shares | 96% (p83 of band) |
| Cash / assets | 1.4% |
| Borrowings / assets | 8.02% |
| Net interest margin | 2.41% (p8 of band) |
| Operating expense / assets | 1.31% (p4 of band) |
| Vehicles % of loans | 3% (p8 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 33% |
| Third-party paper % of net worth | 191% (p58 of band) |
| Vehicle delinquency | 1.04% (p62 of band) |
| Vehicle NCO | 1.84% (p79 of band) |
| Repossessed % of vehicle book | 0.00% (p8 of band) |
| Real estate % of loans | 52% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 108% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 36% |
| Average share balance | $9,070 |
| Participations bought / yr | $0 |
| Participations sold / yr | $755.0M |
| Participations outstanding | $580.7M |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $51,996 |
| Loans granted, annualized | $4.89B |

## Participation posture (from the same filings)

Bought $0 and sold $755.0M in the latest annualized quarter; $580.7M outstanding purchased (31.4% of net worth), $513.7M sold and retained. Sold in 8 and bought in 5 of the last 8 quarters. Shares 1.2% year over year.

## Flags firing in the latest filing

- **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 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | 3rd-party paper>100% NW |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | net worth falling |  |
| 2018-09 | 3 | leaning on borrowings |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | losing money |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 2 |  | net worth falling, losing money |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | leaning on borrowings |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | leaning on borrowings |  |
| 2022-09 | 4 | net worth falling, loans>95% of shares |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 4 | delinquency rising | net worth falling |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 |  | loans>95% of shares |
| 2024-06 | 5 | thin capital, net worth falling |  |
| 2024-09 | 3 |  | delinquency rising, net worth falling |
| 2024-12 | 2 |  | thin capital |
| 2025-03 | 3 | loans>95% of shares |  |
| 2025-06 | 4 | thin capital |  |
| 2025-09 | 5 | net worth falling |  |
| 2025-12 | 4 |  | net worth falling |
| 2026-03 | 3 |  | thin capital |

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

- 2026-01-29 [Alliant Credit Union Mortgage Review 2026 - LendingTree](https://news.google.com/rss/articles/CBMihgFBVV95cUxOMXBnWGRtb1FjSW9mUVBSSXJ0eVczeTUxM1lHTDI2Slk0SHVjNVhmX1g4LV9VclNxc0I1VHNaam8ydjhDdDRsLXJEb1VPUURweW1sSlczNTVEbDA3Mnd2M3hSMnM5dnZQUHRxZUVWbEdSMGk1VDhSeDFDZ0ROYl80YVJNNW1Gdw?oc=5) · LendingTree
- 2025-11-18 [Alliant Credit Union has high-APY options for you, your teen, and even younger kids - Fortune](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFA2WVVvQTRhZUFuWDV2by1NeTQ2TWFzNnJwdkVMQlVZQ2NyLUlRVlVEakRqSjNKVjlnWkJEbXE1Tmd6VWJHbWViZ3pBT1h5ZXk2N2w1M3lEcHJjVUpVLVB4dWhqdkhvaEE?oc=5) · Fortune
- 2026-05-05 [The 10 Largest Credit Unions In The U.S. - Bankrate](https://news.google.com/rss/articles/CBMidEFVX3lxTFA4ZGZEYmpOV1llV1R3VDk5T1pYcURFb01HcEc0VTQ2RlFfajJfa1UtMi1HRGN6ZDFsaXUzcEVsaDlKZDE5NW9YTkgyWU82V3lWT25sYi1SOXlNSWhlT0p0N1JLbzFKaWJRc2N5dHozMndDbVI0?oc=5) · Bankrate
- 2026-06-29 [20 Largest Credit Unions in America | Banking Advice | U.S. News - U.S. News & World Report](https://news.google.com/rss/articles/CBMigAFBVV95cUxPTGo3NzJqcExQdW1NT240R08xaGVXT1pFZHBGS29RSG9UaUJQaWkxV3RrbEZheE5jWjRlUmp0am5oQ3V6SFh6U2lIQ2NvaWtKTnhsNko2TU0zYXRhWUFEb0ZBUWFJUkxYWlQ4eVBTWHFmNjZkbW1QOXg1VnBDbExpWA?oc=5) · U.S. News & World Report
- 2024-10-10 [Leadership & Management at Alliant Credit Union: How This Digital Credit Union Wows Members - Built In Chicago](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPa2UzRGdTdTlYWXBQV0tNLWY3VG5RdEJWYzN3d3l2TFlPdlZkRDkwWkhXQi04WXRfYm9zdEUzMTVqNEszYVpWbWVFYU9Na2Z4blVaTDFSOF9EYmlTMEJLYWp0Z09BWGoyNWRxSEZ0aHBkOGR4ODRCZGlqSXdJRmlKdWF5bjVaeWY4cmVoVDE1U0luMUQ1UXl3bzdkcGxRaF9BSFY3VjVQZlRRRWtkM3NoaTlWVzZfdHJzX3VKcms0ZmVuQQ?oc=5) · Built In Chicago
- 2022-03-11 [Alliant Credit Union promotes Charles Krawitz to Senior Vice President, Chief Capital Markets Officer & Head of Commercial Lending - CUInsight](https://news.google.com/rss/articles/CBMi_AFBVV95cUxPaVo0RHhfSzVoRWcwZ1Q0VnlISDlwUTRndVd2MHZrMnZBMHZSN1RoZ3llZ0wwNllFUmxzQ2k1YnlkM3ptQnFuT0Z3NmlRUHhoNG1uR1c5S0NXa1BBZktLNW9OdThCbU4zWlIyMVVDT1gzeEJMOW5SeG42bGc2b2FCLWlBSUpUNUwtYy01dnI5aWhETTlGeDVvS3ZwQVNpZ2Vla2t1TXl5OVhVX05YRXpFM1RJSDZiX3BDSFBsU3FCM1d6UEJDZ0JzQk43cWZNWUNNZ19ZUjNMb0Q0WEZaWTNtS0UxMlFyempYSDMyRVU5TWhuRHJ2b1kzRWNXOUk?oc=5) · CUInsight
- 2022-09-06 [Meredith Ritchie – Alliant Credit Union - Vanguard Law Magazine](https://news.google.com/rss/articles/CBMiigFBVV95cUxPbTNodnhnMFZqSEdsWVVESUpTeG95MkJNR1NDamRuV2xzODA3RkVRREpicUZWRU1CRm81TWpyM0ItaHFZNWlHLWMxbnUzRWpuZG5ZUXZxeWxKZUNYUk1PdVBHMUJDaWNOQTItcnNWRnEwLWZyeGJPejZOTndnRHR0ejdzWkMxbTNISlE?oc=5) · Vanguard Law Magazine
- 2021-12-10 [Top 10 Largest Credit Unions in the USA - FinTech Magazine](https://news.google.com/rss/articles/CBMidEFVX3lxTE5SYmFMNS1ScXdXWllNMVVVM3JGb1NQbUFhdERTV2hnQUgtczZJcXFCa2VQSFdwdmhZUlBiSTRCbWFLSHdwcU9wV3JyZ1lQdzhvcDhxd2VIYnY2OHJRcGYtU2hkTVU1Z1VlaDByMkh1NGtxTFNY?oc=5) · FinTech Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67955 (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/51.json (key "67955", 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=67955
- 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