# ALLIANCE
Lubbock, TX · NCUA charter 97103 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/alliance-97103

Who the members are: state charter, organized 1940, low-income designated. 83,777 members of 5,400,186 potential (1.6% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.09B |
| Members | 83,777 (55.4% YoY) |
| Full-time staff | 267 |
| Net worth | $119.8M |
| Net worth ratio | 10.9% (p56 of band) |
| ROA (annualized) | 0.76% (p55 of band) |
| Total delinquency | 0.77% (p66 of band) |
| Net charge-offs (annualized) | 0.78% (p75 of band) |
| Loans / shares | 91% (p63 of band) |
| Cash / assets | 5.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.64% (p72 of band) |
| Operating expense / assets | 4.40% (p94 of band) |
| Vehicles % of loans | 31% (p62 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 1% (p9 of band) |
| Vehicle delinquency | 1.47% (p90 of band) |
| Vehicle NCO | 2.21% (p88 of band) |
| Repossessed % of vehicle book | 0.25% (p88 of band) |
| Real estate % of loans | 48% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 128% |
| Core shares % of member funds | 41% |
| Certificates % of member funds | 45% |
| Average share balance | $7,789 |
| Participations bought / yr | $0 |
| Participations sold / yr | $11.5M |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $27,946 |
| Loans granted, annualized | $502.8M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **expense trap** (`earn_opex`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | delinquency rising |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 1 | net worth falling |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 2 | delinquency rising |  |
| 2019-09 | 0 |  | net worth falling, delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | delinquency rising |  |
| 2020-06 | 0 |  | delinquency rising |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | net worth falling |  |
| 2021-06 | 1 | expense trap | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 2 | net worth falling |  |
| 2022-03 | 1 |  | net worth falling |
| 2022-06 | 3 | delinquency rising, loans>95% of shares |  |
| 2022-09 | 3 | net worth falling | loans>95% of shares |
| 2022-12 | 3 | loans>95% of shares | delinquency rising |
| 2023-03 | 3 |  |  |
| 2023-06 | 2 |  | expense trap |
| 2023-09 | 4 | delinquency 2x band, delinquency rising |  |
| 2023-12 | 2 | leaning on borrowings | net worth falling, delinquency 2x band, delinquency rising |
| 2024-03 | 2 | delinquency rising | leaning on borrowings |
| 2024-06 | 1 | net worth falling | loans>95% of shares, delinquency rising |
| 2024-09 | 1 | loans>95% of shares | net worth falling |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | expense trap |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 | net worth falling | loans>95% of shares |

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

- 2025-12-31 [Lubbock-based ALLIANCE Credit Union merges with San Antonio UTCU - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNVjNsQ0x6cUtXYUpzWkNiZXF3Uk84U1FUNC1pMW9mbTVDek0xc0VsWFNkY2lpMU1jSFdNNnozc0x1RVZNM0hYYXVkTTVRYnpNQXIxa3Y5djE2YTRYbldfNXV6MmlLdVRORTFCYVR6ZmZyU1hxaVBZbmdJT2ZzeWpodkVjWWg0Z0hNaXdNOW9lVW9hcG5KMF9xRHN3cUZ4SkFic0pIWEFvUkszMnZZNlgxeVNUMFZLYlhHQkIyZGNqMTRQQTBDSks1QlNOdXdrZTlUSnF4VlZXOHUyWlhOaHc?oc=5) · Lubbock Avalanche-Journal
- 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
- 2025-11-10 [Alliance Credit Union to host groundbreaking ceremony for new Amarillo branch - MyHighPlains.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxONWY0R2ZKdTVZRVVLamVDZkUzb3F2Ylk4VVE1SzJtb3IyYnJzSDJWcTZBdE51bExLT2tVb1RTd1ZOcm1zN2trajBfdUxSQUNGc3FqbjRQcVZCV0piUldTQjJncU9UMERpVG43VDJzNFVCX3RxbnM4SkJqZHZvbzFUTUxsbDd0cmY5bUpvaXBWR2ttRmpPQ1MyR0l4XzVqUmZXNlQ0bG5Xa09HRE5CbEtHbzl2SDRYaDM5Sk1wTkNJc1nSAcYBQVVfeXFMTW45eXAxVmFFZHhYV3ktUVZLNVIwTk83YWE0UlpCUkswVFJ1ZzVDVjM3YWNaUl9MWkN0ajFBZzFieEVyaF9UX1ZyMzA3N1NPYVhmcmxlYXNjMDNYSk5KaUR2TWNaS0EyNWtWdjBmdGt0c0VITFpjQTR5OVBteDlnU0RER2cyRXdSc25nUThoY0JvNFZrM1NnVFNVRnN0aUk4WjNmTmNlSjB5Zk9zSzBsd0JvWlZGcE5BT3VkaUZtMjJYNm5hdlNB?oc=5) · MyHighPlains.com
- 2025-11-16 [Alliance Credit Union breaks ground on new Amarillo branch with pep-rally celebration - Amarillo Globe-News](https://news.google.com/rss/articles/CBMiugFBVV95cUxOYi1PQk05Sm9uc3p0aTN0aXZWZzRMV01CWU9vQjZPa3N4Y1R5cEhtOUlVVEtMZzRtS2t6Zk4zUTJFWGlEUnp0cTdJb0JNY2lydWhQZ3FmcHFrR2xSZDJrMDNzUWxRQzJoTEhDRHBPOTVMV0xSQnVOc0JPRFJqUW9yT3VYS3NDa1BXcHdRTjRZQlRjNHJjaUlWbmhnV0Q0VDVRV0Rkci1CeUNpMklFZjVDNUpPUVNNSWFHN0E?oc=5) · Amarillo Globe-News
- 2026-04-02 [Texas Tech standout Snudda Collins to meet fans in Lubbock - KCBD](https://news.google.com/rss/articles/CBMijgFBVV95cUxOZ01DSTI2X2JUajBhOXBrR0tqZndJQ1E1NmlGalZuS2VZa0N2TGp3RmJZc18xZldKRjFmQTlGa3FyanVoUHBIY0lPa29LTGI3TlZ5RmJfVkI0VlpWSUVha0xibUV5ZEg0VnJzN3A2RThPR0pnYmFhM1dMZ1pZR3RSa2plQTNJQ3RocENUN2V30gGiAUFVX3lxTE1FdDNyX0kwNjlMWnNFcl9ON2Z6UTNac0NoeWplX2xmSDZrRGVXdlNyRGw3YVV2TGtjU3dENzRkWV9GSXZ6NzZGNDJLekZPaU1NR2NESkVTNjlGX293MHdiU05NMGYzX1hneXVLaXYyUFRqSU9xaHVtbzY2b2pNcXJybkFjRmNlTEI3aXNyb3RKTGJ4cEJYWGptVUV0ajk4dnZTZw?oc=5) · KCBD
- 2026-04-20 [Alice Ann Baker Obituary (2026) - Lubbock, TX - Sanders Funeral Home - Lubbock - legacy.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE40UFFncTUwNkVqa1FKcDIwZE1TV0ZaYzZvS3V1dDEtcXdUSkVDbFh6eUFDelhNbjdFZC11dVhIOFVINkVyandVbDcxUVpPaC1Oc3FMWUl4SGxmNDRId2J1dEU1c2VjMk5xcXhPRGlGamhEUWJpVWo0WWI3ZDFwVE0?oc=5) · legacy.com
- 2024-07-02 [2012-2024 List Of Failed Credit Unions - Bankrate](https://news.google.com/rss/articles/CBMib0FVX3lxTFBqUTBmbUhvaEh6UXpMOERnZTMzUjU2djBQVUVxMHd4UmZFRF84OWFtelZtZXQ3eTF5ZE5fbE5YVTRIUWd2dDVDWjZxZ3F4d3gwRFhMV2FyT21RWXlTLVVoRTE5Z0R1Ql9iMHVmYndZUQ?oc=5) · Bankrate
- 2026-07-28 [City of Lubbock, Texas Tech hosting Back 2 School Bash - Lubbock Avalanche-Journal](https://news.google.com/rss/articles/CBMi3gFBVV95cUxOWWI1ZjhSZHVEbXhib0hRNGp5ZlVfeFpTSDV2eEZOd2RnS0FLNVNVaFg0MW1xdUZuc1ZsRDRQWHVEX0tPT0J4S0FLRG9yaHZYR25ub1R0NVg5Zm1GcHFvTlBueVFwZXRSRlQ4OHU4d3hfRDk5MXJ4ZjNLT3kxemJSRjlQMTRmV25uMEtjaDIzVlBWeHN0SEVqQ2RJdjlGYTZ1QzVmd3NNT2M3Y3dtQXB6dkRqNGVkdzlMbDBaTUU2MHRRRTQ5eG1sdWJuUXRTNi0wTlhXSTVRMnhfNU9laWc?oc=5) · Lubbock Avalanche-Journal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=97103 (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/15.json (key "97103", 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=97103
- 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