Alliance Credit Union (NCUA charter #97103) is based in Lubbock, Texas. Its Q2 2026 call report shows $1.1B in total assets and $943.8M in member shares and deposits and 16 offices.
Based on its Q2 2026 filing, Alliance Credit Union scores 62/100, which we describe as moderate. That is higher than only 30% of 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 278th. Its strongest component is problem-loan coverage (83/100; 8.3%), and its lowest is earnings (49/100; 0.72%).
TellerScore · Q2 2026
Scorecard
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 5 points (67 → 62), mostly because the loan quality component weakened by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 67 |
| Q4 2024 | 66 |
| Q1 2025 | 65 |
| Q2 2025 | 67 |
| Q3 2025 | 67 |
| Q4 2025 | 65 |
| Q1 2026 | 66 |
| Q2 2026 | 62 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.47% |
| Q3 2024 | 11.62% |
| Q4 2024 | 11.65% |
| Q1 2025 | 11.32% |
| Q2 2025 | 11.44% |
| Q3 2025 | 11.53% |
| Q4 2025 | 11.34% |
| Q1 2026 | 10.95% |
| Q2 2026 | 10.90% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.10% |
| Q3 2024 | 0.95% |
| Q4 2024 | 0.91% |
| Q1 2025 | 0.91% |
| Q2 2025 | 0.75% |
| Q3 2025 | 0.93% |
| Q4 2025 | 0.95% |
| Q1 2026 | 0.77% |
| Q2 2026 | 1.07% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.90% |
| Q3 2024 | 0.98% |
| Q4 2024 | 0.91% |
| Q1 2025 | 0.88% |
| Q2 2025 | 0.97% |
| Q3 2025 | 0.96% |
| Q4 2025 | 0.91% |
| Q1 2026 | 0.76% |
| Q2 2026 | 0.72% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $1.1B | 10.90% | 1.07% | 0.72% | 95.6% |
| Q1 2026 | 66 | $1.1B | 10.95% | 0.77% | 0.76% | 90.5% |
| Q4 2025 | 65 | $679.6M | 11.34% | 0.95% | 0.91% | 97.3% |
| Q3 2025 | 67 | $656.2M | 11.53% | 0.93% | 0.96% | 96.4% |
| Q2 2025 | 67 | $647.5M | 11.44% | 0.75% | 0.97% | 102.0% |
| Q1 2025 | 65 | $638.9M | 11.32% | 0.91% | 0.88% | 99.3% |
| Q4 2024 | 66 | $621.7M | 11.65% | 0.91% | 0.91% | 99.5% |
| Q3 2024 | 67 | $613.4M | 11.62% | 0.95% | 0.98% | 95.6% |
| Q2 2024 | 65 | $606.0M | 11.47% | 1.10% | 0.90% | 94.9% |
454 peers · $1 billion – $10 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).
Similar-size credit unions in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fivepoint Credit UnionCredit union Nederland, TX | 57 out of 100, Moderate | $1.1B | 8.8% | 0.76% | vs |
| Neighborhood Credit UnionCredit union Dallas, TX | 59 out of 100, Moderate | $1.1B | 10.8% | 1.54% | vs |
| Raiz Federal Credit UnionCredit union El Paso, TX | 62 out of 100, Moderate | $1.1B | 10.2% | 0.95% | vs |
| Velocity Credit UnionCredit union Austin, TX | 76 out of 100, Strong | $1.1B | 13.9% | 0.57% | vs |
| Brazos Valley Schools Credit UnionCredit union Katy, TX | 68 out of 100, Moderate | $1.0B | 10.6% | 1.32% | vs |
| Houston Police Federal Credit UnionCredit union Houston, TX | 87 out of 100, Very strong | $1.0B | 16.4% | 0.70% | vs |
Deposit insurance
Is my money safe at Alliance Credit Union?
Alliance Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 10.90%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
16 locations
Branches
Alliance Credit Union lists 16 offices in 6 cities. Most locations:
- Lubbock, TX (8)
- San Antonio, TX (3)
- Fort Worth, TX (2)
- Amarillo, TX (1)
- Big Spring, TX (1)
- Boerne, TX (1)
Identity & history
Profile
- Legal name
- Alliance Credit Union
- Type
- Non-federally insured state credit union
- NCUA charter #
- 97103
- RSSD ID
- 520179
- Primary regulator
- State + NCUA
- Established
- 1940
- Headquarters
- 6219 Spur 327, Lubbock, TX 79424
- Employees
- 306
Quick answers
Alliance Credit Union: common questions
Is Alliance Credit Union NCUA insured?
Alliance Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.
What is Alliance Credit Union's TellerScore?
62 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?
16 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Lubbock
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Federal Credit UnionCredit union Big Spring, TX | 90 out of 100, Very strong | $201.9M | 14.6% | 0.13% | vs |
| Caprock Santa Fe Credit UnionCredit union Slaton, TX | 85 out of 100, Very strong | $51.5M | 41.7% | 1.77% | vs |
| Citizens State BankBank Anton, TX | 84 out of 100, Strong | $80.7M | 16.0% | 0.01% | vs |
| First State BankBank Shallowater, TX | 84 out of 100, Strong | $150.8M | 15.9% | 0.23% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| Sundown State BankBank Sundown, TX | 79 out of 100, Strong | $307.7M | 11.6% | 0.84% | vs |