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.

From Q2 2025 to Q2 2026, the score rose 12 points (55 → 67), mostly because the earnings component improved by 64 points.

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 Minnesota

Yes. First Alliance Credit Union is a federally insured credit union (NCUA charter #62872). 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 4.5% of shares and deposits ($13.3M) 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 9.95%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

First Alliance Credit Union lists 7 offices in 4 cities. Most locations:

• Rochester, MN (4)
• Byron, MN (1)
• Lake City, MN (1)
• Stewartville, MN (1)

All branch addresses and map

In 2025, First Alliance Credit Union reported 461 home-loan applications under HMDA (LEI 254900ERAT50PIMMZH17): 192 originated ($24,510,000 total), 161 denied, and 92 withdrawn or closed by the applicant. Its denial rate on decided applications was 43.6%, 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.

Legal name

First Alliance Credit Union

Type

Federally insured state-chartered credit union

NCUA charter #

62872

RSSD ID

828099

Primary regulator

State + NCUA

Established

1932

Headquarters

501 16th St SE, Rochester, MN 55904

Employees

81