ALLIANCE

Charter #63789 | MO

100M-500M (1077 CUs) Micro
24 100M-500M in MO

ALLIANCE has 5 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 28.3% in tier
  • + Wallet Share Momentum: Top 29.2% in tier
  • + Loan-to-Share Ratio: Top 0.6% in tier
  • + Total Loans: Top 3.4% in tier
  • + Loan-to-Member Ratio (LMR): Top 8.7% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 4.0% in tier
  • - Liquidity Strain: Bottom 10.7% in tier
  • - Membership Headwinds: Bottom 11.7% in tier
  • - Institutional Decline: Bottom 12.7% in tier
  • - Indirect Auto Dependency: Bottom 24.1% in tier
  • - Liquidity Overhang: Bottom 35.6% in tier
  • - ROA 0.01% below tier average
  • - Efficiency ratio 0.01% above tier (higher cost structure)
  • - Member decline: -3.6% YoY
  • - First Mortgage Concentration (%): Bottom 5.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MO) National Avg Tier Percentile
Members 21,126
-3.6% YoY-1.4% QoQ
 +5.5K 15,628
-3.4% YoY
 15,920
+4.0% YoY
 33,089
+6.1% YoY
 Top 21.9% in tier
Assets $395.6M
+4.8% YoY+6.7% QoQ
 +$164.3M $231.3M
-0.0% YoY
 $210.9M
+9.4% YoY
 $547.7M
+7.8% YoY
 Top 11.1% in tier
Loans $328.2M
-2.6% YoY-0.7% QoQ
 +$180.4M $147.8M
-1.4% YoY
 $147.8M
+9.0% YoY
 $388.7M
+8.6% YoY
 Top 3.5% in tier
Deposits $291.4M
+0.1% YoY+1.6% QoQ
 +$91.1M $200.3M
-0.0% YoY
 $183.9M
+12.2% YoY
 $464.6M
+9.3% YoY
 Top 19.9% in tier
ROA 0.8%
+26.5% YoY-4.7% QoQ
 -0.0% 0.8%
+15.5% YoY
 0.6%
+117.2% YoY
 0.7%
+273.4% YoY
 51st in tier
NIM 3.1%
+8.0% YoY-1.8% QoQ
 -0.4% 3.6%
+6.9% YoY
 3.8%
+3.2% YoY
 3.7%
+5.0% YoY
 Bottom 24.9% in tier
Efficiency Ratio 77.3%
-4.0% YoY+1.5% QoQ
 +0.0% 77.3%
-3.0% YoY
 78.5%
-6.5% YoY
 79.1%
-3.3% YoY
 50th in tier
Delinquency Rate 0.6%
-30.6% YoY+21.1% QoQ
 -0.3 0.9%
+7.6% YoY
 1.2%
+9.9% YoY
 1.2%
-0.9% YoY
 46th in tier
Loan To Share 112.6%
-2.7% YoY-2.3% QoQ
 +39.9% 72.7%
-1.5% YoY
 72.3%
-3.7% YoY
 68.0%
-1.7% YoY
 Top 0.6% in tier
AMR $29,330
+2.4% YoY+1.8% QoQ
 +$5K $24,363
+2.9% YoY
 $16,810
+3.4% YoY
 $19,418
+1.3% YoY
 Top 18.6% in tier
CD Concentration 23.4%
+0.0% YoY+4.5% QoQ
 -1.0% 24.4%
+4.2% YoY
 18.1%
+9.5% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 15.2%
+1.2% YoY-3.1% QoQ
 +1.3% 14.0%
-5.8% YoY
 10.3%
-9.1% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#782 of 1006 • Top 28.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.37%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.6K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#806 of 1006 • Top 29.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.37%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (6)

Stagnation Risk

risk
#66 of 550 • Bottom 4.0% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.78%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -3.59%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $29.3K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 23.39%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Liquidity Strain

risk
#84 of 258 • Bottom 10.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 112.65%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -2.55%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

Membership Headwinds

decline
#193 of 550 • Bottom 11.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -3.59%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Institutional Decline

decline
#101 of 256 • Bottom 12.7% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $395.57M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -3.59%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -2.55%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#388 of 525 • Bottom 24.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 4.82%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 15.23%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -3.59%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Liquidity Overhang

risk
#552 of 552 • Bottom 35.6% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.04%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 112.65%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

7
Loan-to-Share Ratio
balance_sheet
Value: 112.65%
Peer Avg: 72.70%
#7 of 1077 Top 0.6% in 100M-500M tier
38
Total Loans
balance_sheet
Value: $328.24M
Peer Avg: $147.80M
#38 of 1077 Top 3.4% in 100M-500M tier
95
Loan-to-Member Ratio (LMR)
engagement
Value: $15,537
Peer Avg: $10,245
#95 of 1077 Top 8.7% in 100M-500M tier
120
Total Assets
balance_sheet
Value: $395.57M
Peer Avg: $231.30M
#120 of 1077 Top 11.0% in 100M-500M tier
200
Average Member Relationship (AMR)
engagement
Value: $29,330
Peer Avg: $24,363
#200 of 1077 Top 18.5% in 100M-500M tier
214
Total Deposits
balance_sheet
Value: $291.39M
Peer Avg: $200.29M
#214 of 1077 Top 19.8% in 100M-500M tier
236
Total Members
engagement
Value: 21,126
Peer Avg: 15,628
#236 of 1077 Top 21.8% in 100M-500M tier

Top Weaknesses (6 metrics)

1014
First Mortgage Concentration (%)
balance_sheet
Value: 60.28%
Peer Avg: 30.43%
#1014 of 1077 Bottom 5.9% in 100M-500M tier
912
Member Growth Rate
growth
Value: -3.59%
Peer Avg: 0.72%
#912 of 1077 Bottom 15.4% in 100M-500M tier
864
Members Per Employee (MPE)
engagement
Value: 254.530
Peer Avg: 332.881
#864 of 1077 Bottom 19.9% in 100M-500M tier
860
Deposit Growth Rate
growth
Value: 0.15%
Peer Avg: 4.69%
#860 of 1077 Bottom 20.2% in 100M-500M tier
829
Loan Growth Rate
growth
Value: -2.55%
Peer Avg: 3.45%
#829 of 1077 Bottom 23.1% in 100M-500M tier
809
Net Interest Margin (NIM)
profitability
Value: 3.14%
Peer Avg: 3.58%
#809 of 1077 Bottom 25.0% in 100M-500M tier