TellerScore

Headquartered in Farmington Hill, Michigan, Alliance Catholic Credit Union is a federally insured state-chartered credit union with $718.5M in total assets and $626.4M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1956.

Based on its Q2 2026 filing, Alliance Catholic Credit Union scores 78/100, which we describe as strong. That is higher than 74% of 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 52nd. Its strongest component is problem-loan coverage (96/100; 1.9%), and its lowest is earnings (60/100; 0.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Net worth ratio: 12.39%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.36%
Earnings60/100
Return on assets (annualized): 0.99%
Funding & liquidity83/100
Loans ÷ shares: 77.3% · 4.2% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.94%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (75 → 78), mostly because the earnings component improved by 34 points.

TellerScore
728189Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202489
Q4 202485
Q1 202575
Q2 202575
Q3 202575
Q4 202574
Q1 202685
Q2 202678
Net worth ratio
7.00%10.02%13.03%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.57%
Q3 202412.99%
Q4 202413.03%
Q1 202512.91%
Q2 202512.75%
Q3 202512.63%
Q4 202512.50%
Q1 202612.49%
Q2 202612.39%
Delinquent loans (60+ days)
0.28%0.49%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.38%
Q3 20240.54%
Q4 20240.70%
Q1 20250.44%
Q2 20250.32%
Q3 20250.28%
Q4 20250.36%
Q1 20260.31%
Q2 20260.36%
Return on assets
0.15%1.13%2.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.18%
Q3 20242.11%
Q4 20241.63%
Q1 20250.21%
Q2 20250.15%
Q3 20250.21%
Q4 20250.37%
Q1 20261.66%
Q2 20260.99%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$718.5M12.39%0.36%0.99%77.3%
Q1 202685$707.4M12.49%0.31%1.66%71.9%
Q4 202574$672.3M12.50%0.36%0.37%71.4%
Q3 202575$653.9M12.63%0.28%0.21%69.9%
Q2 202575$644.5M12.75%0.32%0.15%65.8%
Q1 202575$635.6M12.91%0.44%0.21%60.1%
Q4 202485$627.2M13.03%0.70%1.63%59.4%
Q3 202489$626.8M12.99%0.54%2.11%58.5%
Q2 202472$624.3M11.57%0.38%0.18%54.8%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.39%
62nd
Problem loans0.36%
78th
Net charge-offs0.22%
67th
Return on assets0.99%
66th
Loans to deposits77.3%
46th
Uninsured deposits4.2%
69th
Loan-loss reserves0.00%
50th
Texas ratio1.9%
76th

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Northland Area Federal Credit UnionCredit union Alpena, MI65 out of 100, Moderate$714.4M10.3%0.88%vs
Team One Credit UnionCredit union Saginaw, MI66 out of 100, Moderate$765.9M9.9%0.64%vs
Omni Community Credit UnionCredit union Battle Creek, MI90 out of 100, Very strong$662.0M16.3%0.75%vs
American 1 Credit UnionCredit union Jackson, MI65 out of 100, Moderate$661.3M15.6%2.07%vs
Security Credit UnionCredit union Grand Blanc, MI58 out of 100, Moderate$653.2M9.8%0.80%vs
Adventure Credit UnionCredit union Grand Rapids, MI67 out of 100, Moderate$645.9M11.5%0.73%vs

Deposit insurance

Is my money safe at Alliance Catholic Credit Union?

Yes. Alliance Catholic Credit Union is a federally insured credit union (NCUA charter #61759). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 4.2% of shares and deposits ($26.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.39%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Alliance Catholic Credit Union lists 5 offices in 5 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Alliance Catholic Credit Union reported 123 home-loan applications under HMDA (LEI 549300G12UU2EC2JM932): 76 originated ($23,850,000 total), 15 denied, and 28 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Alliance Catholic Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61759
RSSD ID
995991
Primary regulator
State + NCUA
Established
1956
Headquarters
28800 Orchard Lake Rd, Farmington Hill, MI 48334
Employees
160

Quick answers

Alliance Catholic Credit Union: common questions

Is Alliance Catholic Credit Union NCUA insured?

Yes. Alliance Catholic Credit Union is a federally insured credit union (NCUA charter #61759). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Alliance Catholic Credit Union's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Alliance Catholic Credit Union have?

5 offices as of the latest NCUA data.