TellerScore

Alliance Credit Union (NCUA charter #63789) is based in Fenton, Missouri. Its Q2 2026 call report shows $423.1M in total assets and $324.0M in member shares and deposits and 6 offices.

Alliance Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 1,341 credit unions with $100 million – $1 billion. Among 87 credit unions headquartered in Missouri, it ranks 50th. Problem-loan coverage contributes the most (90/100, 5.1%); earnings contributes the least (47/100, 0.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion67/100
Net worth ratio: 11.74%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.69%
Earnings47/100
Return on assets (annualized): 0.68%
Funding & liquidity54/100
Loans ÷ shares: 106.6% · 11.8% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.05%

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 fell 4 points (70 → 66), mostly because the loan quality component weakened by 6 points.

TellerScore
596570Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202462
Q4 202465
Q1 202567
Q2 202570
Q3 202568
Q4 202562
Q1 202668
Q2 202666
Net worth ratio
7.00%9.58%12.17%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.14%
Q3 202411.49%
Q4 202411.61%
Q1 202511.78%
Q2 202512.17%
Q3 202512.04%
Q4 202511.80%
Q1 202611.82%
Q2 202611.74%
Delinquent loans (60+ days)
0.50%0.82%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.92%
Q3 20240.87%
Q4 20240.71%
Q1 20250.54%
Q2 20250.50%
Q3 20250.61%
Q4 20251.14%
Q1 20260.53%
Q2 20260.69%
Return on assets
0.43%0.63%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.43%
Q3 20240.62%
Q4 20240.68%
Q1 20250.66%
Q2 20250.82%
Q3 20250.75%
Q4 20250.73%
Q1 20260.65%
Q2 20260.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$423.1M11.74%0.69%0.68%106.6%
Q1 202668$422.0M11.82%0.53%0.65%103.3%
Q4 202562$399.5M11.80%1.14%0.73%111.8%
Q3 202568$395.6M12.04%0.61%0.75%112.6%
Q2 202570$370.6M12.17%0.50%0.82%115.3%
Q1 202567$375.1M11.78%0.54%0.66%116.8%
Q4 202465$374.5M11.61%0.71%0.68%120.1%
Q3 202462$377.4M11.49%0.87%0.62%115.8%
Q2 202459$380.9M11.14%0.92%0.43%115.0%

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 ratio11.74%
54th
Problem loans0.69%
49th
Net charge-offs0.15%
78th
Return on assets0.68%
45th
Loans to deposits106.6%
1st
Uninsured deposits11.8%
11th
Loan-loss reserves0.00%
50th
Texas ratio5.1%
39th

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Blucurrent Credit UnionCredit union Springfield, MO65 out of 100, Moderate$406.1M10.2%0.34%vs
St. Louis Community Credit UnionCredit union Saint Louis, MO58 out of 100, Moderate$445.0M15.0%5.79%vs
Alltru Federal Credit UnionCredit union Wentzville, MO41 out of 100, Below average$400.6M9.4%2.38%vs
Missouri Electric Cooperatives EmplCredit union Jefferson City, MO82 out of 100, Strong$396.8M11.3%0.13%vs
Assemblies of God Credit UnionCredit union Springfield, MO41 out of 100, Below average$450.5M8.8%2.29%vs
Infuze Federal Credit UnionCredit union Fort Leonard Wo, MO72 out of 100, Strong$456.9M10.5%0.36%vs

Deposit insurance

Is my money safe at Alliance Credit Union?

Yes. Alliance Credit Union is a federally insured credit union (NCUA charter #63789). 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 11.8% of shares and deposits ($38.1M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.74%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Alliance Credit Union lists 6 offices in 6 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Alliance Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63789
RSSD ID
900892
Primary regulator
State + NCUA
Established
1948
Headquarters
1280 S Highway Dr, Fenton, MO 63026
Employees
84

Quick answers

Alliance Credit Union: common questions

Is Alliance Credit Union NCUA insured?

Yes. Alliance Credit Union is a federally insured credit union (NCUA charter #63789). 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 Credit Union's TellerScore?

66 out of 100 (Moderate), 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 Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Fenton

InstitutionScoreAssetsCapitalProblem loansCompare
Edward Jones Trust CompanyBank Saint Louis, MO94 out of 100, Very strong$160.5M98.2%0.00%vs
Lindell Bank & Trust CompanyBank St. Louis, MO92 out of 100, Very strong$915.2M18.0%0.58%vs
Co - Lib Credit UnionCredit union Saint Louis, MO91 out of 100, Very strong$1.4M15.5%0.82%vs
Division #6 Highway Credit UnionCredit union Chesterfield, MO88 out of 100, Very strong$15.7M17.9%0.24%vs
Century Credit UnionCredit union Saint Louis, MO87 out of 100, Very strong$182.0M17.6%0.37%vs
Jm Associates Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$151.2M15.5%0.71%vs