ALLIANCE
Charter #97103 · Lubbock, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.49% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.03% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.94% sits at the 82nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 6th percentile but its structural peers at the 62nd — a 56-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 | $1.09B | 6th pct | 62th pct |
| Members | 83,777 | 30th pct | 69th pct |
| Net worth ratio | 10.95% | 55th pct | 54th pct |
| Return on average assets | 0.93% | 68th pct | 57th pct |
| Net interest margin | 4.49% | 96th pct | 82th pct |
| Cost of funds | 2.03% | 63th pct | 77th pct |
| Loan-to-share | 90.55% | 63th pct | 79th pct |
| Delinquency 60+ days | 0.77% | 65th pct | 54th pct |
| Net charge-off ratio | 0.94% | 81th pct | 82th pct |
| Loan growth YoY | 56.55% | 99th pct | 92th pct |
| Share growth YoY | 66.60% | 99th pct | 94th pct |
| Efficiency ratio | 76.60% | 64th pct | 52th pct |
structural peer set hash: 7b543fc63778fd37902c809905016dc5… (reproducible)
Closest structural peers
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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.