Credit unionNot federally insured
Alliance Credit Union
Lubbock, Texas, Lubbock County, TX
$1.1B in total assets and 82,909 members, the 440th largest of 4,298 US credit unions and 33rd of 377 headquartered in Texas.
- NCUA charter
- 97103
- Charter
- State chartered, not federally insured
Earlier filings under Alliance Federal Credit Union (charter 3987), before a charter conversion, are included in the history below.
At a glance
Compared with 35 federally insured credit unions in Texas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.1B | 14% | $1.7B | |
| Loans | $903M | 26% | $1.3B | |
| Deposits (shares) | $944M | 14% | $1.4B | |
| Members | 82,909 | 26% | 108,888 | |
| Return on assets | 0.89% | 57% | 0.77% | |
| Net interest income to assets | 4.52% | 94% | 3.58% | |
| Efficiency ratio | 78.0% | 77% | 71.3% | |
| Net worth ratio | 10.90% | 49% | 10.94% | |
| Loans to shares | 96% | 69% | 90% | |
| Cost of deposits | 2.47% | 89% | 1.78% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 16.9% a year over 10 years and 25.2% a year over the last 5, including 2 mergers in the last 10 years. Membership grew 24.1% a year over 5 years, to 82,909.
Dashed lines mark larger mergers, listed below.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Jan 2026 | United Texas Credit Union Credit union, San Antonio, TX | $424M |
| Jan 2024 | The Electric Utilities Credit Union Credit union, Big Spring, TX | $7M |
Where they operate
16 branches in 6 counties.
16 of 16 branch locations are approximate (ZIP code centers).
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Lubbock County, TX | 8 | 6.2% | 5 of 36 |
| Bexar County, TX | 3 | 0.7% | 27 of 72 |
| Tarrant County, TX | 2 | 0.4% | 42 of 116 |
| Howard County, TX | 1 | 7.7% | 2 of 12 |
| Kendall County, TX | 1 | 4.5% | 5 of 18 |
| Randall County, TX | 1 | 2.3% | 9 of 22 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 7 | |
| 2017 | 7 | 0 |
| 2018 | 7 | 0 |
| 2019 | 7 | 0 |
| 2020 | 7 | 0 |
| 2021 | 7 | 0 |
| 2022 | 7 | 0 |
| 2023 | 8 | +1 |
| 2024 | 10 | +2 |
| 2025 | 16 | +6 |
| Jun 2026 | 16 | 0 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 1.07% | 0.75% |
| Net worth ratio | 10.90% | 10.94% |
| Loans to shares | 96% | 90% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Texas
Most branches in Lubbock County, TX
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.