ALLIANCE

Charter #97103 | TX

500M-750M (169 CUs) Community (281 CUs)
16 500M-750M in TX

ALLIANCE has 9 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 2.2% in tier
  • + Organic Growth Leader: Top 2.9% in tier
  • + ROA 0.31% above tier average
  • + Net Interest Margin 0.51% above tier average
  • + Strong member growth: 8.5% YoY
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Fee Income Per Member: Top 3.6% in tier
  • + Member Growth Rate: Top 7.7% in tier
  • + Total Members: Top 7.7% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 11.0% in tier
  • - Shrinking Wallet Share: Bottom 21.8% in tier
  • - Delinquency rate 0.13% above tier average
  • - Share Certificate Concentration (%): Bottom 1.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 55,808
+8.5% YoY+2.6% QoQ
 +16.1K 39,752
-2.7% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Top 8.3% in tier
Assets $656.2M
+7.0% YoY+1.3% QoQ
 +$33.9M $622.4M
+0.3% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 65th in tier
Loans $554.5M
+8.0% YoY+0.3% QoQ
 +$118.5M $435.9M
-0.4% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 Top 11.2% in tier
Deposits $575.4M
+7.1% YoY+6.1% QoQ
 +$37.4M $538.0M
+1.3% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 72nd in tier
ROA 1.0%
-1.1% YoY-1.0% QoQ
 +0.3% 0.7%
+33.9% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Top 24.3% in tier
NIM 3.9%
+11.1% YoY+2.2% QoQ
 +0.5% 3.4%
+8.6% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 Top 15.4% in tier
Efficiency Ratio 73.3%
-3.8% YoY+1.4% QoQ
 -4.8% 78.1%
-3.4% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 27th in tier
Delinquency Rate 0.9%
-2.6% YoY+23.4% QoQ
 +0.1 0.8%
-4.9% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 70th in tier
Loan To Share 96.4%
+0.8% YoY-5.5% QoQ
 +15.3% 81.0%
-1.8% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 Top 14.2% in tier
AMR $20,246
-0.9% YoY+0.6% QoQ
 $-6K $26,482
+2.6% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 19.5% in tier
CD Concentration 52.2%
-2.1% YoY-1.5% QoQ
 +27.8% 24.4%
+4.2% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 Top 0.9% in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#41 of 603 • Top 2.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 8.50%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.97%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Organic Growth Leader

growth
#39 of 430 • Top 2.9% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 8.50%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Concerns (2)

Liquidity Strain

risk
#86 of 258 • Bottom 11.0% in tier

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

Why This Signature
Loan-to-Share Ratio: 96.36%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 7.99%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#218 of 244 • Bottom 21.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -0.90%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank worsening

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 169 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.19%
#1 of 169 Top 0.0% in 500M-750M tier
7
Fee Income Per Member
profitability
Value: $333.67
Peer Avg: $199.27
#7 of 169 Top 3.6% in 500M-750M tier
14
Member Growth Rate
growth
Value: 8.50%
Peer Avg: 1.75%
#14 of 169 Top 7.7% in 500M-750M tier
14
Total Members
engagement
Value: 55,808
Peer Avg: 39,752
#14 of 169 Top 7.7% in 500M-750M tier
19
Total Loans
balance_sheet
Value: $554.47M
Peer Avg: $435.95M
#19 of 169 Top 10.7% in 500M-750M tier
24
Loan-to-Share Ratio
balance_sheet
Value: 96.36%
Peer Avg: 81.02%
#24 of 169 Top 13.6% in 500M-750M tier
26
Net Interest Margin (NIM)
profitability
Value: 3.94%
Peer Avg: 3.43%
#26 of 169 Top 14.8% in 500M-750M tier
39
Asset Growth Rate
growth
Value: 6.99%
Peer Avg: 4.33%
#39 of 169 Top 22.5% in 500M-750M tier
41
Return on Assets (ROA)
profitability
Value: 0.97%
Peer Avg: 0.66%
#41 of 169 Top 23.7% in 500M-750M tier

Top Weaknesses (6 metrics)

168
Share Certificate Concentration (%)
balance_sheet
Value: 52.21%
Peer Avg: 26.87%
#168 of 169 Bottom 1.2% in 500M-750M tier
151
Net Charge-Off Rate
risk
Value: 1.07%
Peer Avg: 0.51%
#151 of 169 Bottom 11.2% in 500M-750M tier
139
AMR Growth Rate
growth
Value: -0.90%
Peer Avg: 3.12%
#139 of 169 Bottom 18.3% in 500M-750M tier
136
Average Member Relationship (AMR)
engagement
Value: $20,246
Peer Avg: $26,482
#136 of 169 Bottom 20.1% in 500M-750M tier
136
Members Per Employee (MPE)
engagement
Value: 258.370
Peer Avg: 338.010
#136 of 169 Bottom 20.1% in 500M-750M tier
130
First Mortgage Concentration (%)
balance_sheet
Value: 44.79%
Peer Avg: 33.53%
#130 of 169 Bottom 23.7% in 500M-750M tier