ALLIANCE
Charter #63789 · Fenton, MO · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.97% sits at the 11th percentile of structural peers — worth a closer look.
- Cost of funds of 0.54% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.04% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 74.73% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Loan growth YoY, the asset-size band puts this credit union at the 64th percentile but its structural peers at the 31st — a 32-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ALLIANCE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $422.01M | 92th pct | 77th pct |
| Members | 20,852 | 80th pct | 69th pct |
| Net worth ratio | 11.82% | 54th pct | 67th pct |
| Return on average assets | 0.67% | 48th pct | 48th pct |
| Net interest margin | 2.97% | 13th pct | 11th pct |
| Cost of funds | 0.54% | 21th pct | 7th pct |
| Loan-to-share | 103.30% | 99th pct | 87th pct |
| Delinquency 60+ days | 0.53% | 44th pct | 56th pct |
| Net charge-off ratio | 0.04% | 11th pct | 18th pct |
| Loan growth YoY | 1.65% | 64th pct | 31th pct |
| Share growth YoY | 10.85% | 97th pct | 95th pct |
| Efficiency ratio | 74.73% | 37th pct | 23th pct |
structural peer set hash: 68e697908c42f83e7b923a59cc32b501… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.