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Overview / Commentary
636-343-7005
575 Rudder Rd
Fenton, MO 63026

Alliance Credit Union is headquartered in Fenton and is the 11st largest credit union in the state of Missouri. It is also the 877th largest credit union in the nation. It was established in 1948 and as of December of 2013, it had grown to 53 employees and 17,464 members. Alliance Credit Union's savings rates are 83% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Alliance Credit Union welcomes employees and retirees of select employer groups and companies, government units and labor organizations, and people who reside or work in specific counties of Missouri and Illinois. Anyone whose family member is a current member of the credit union is also eligible to join Alliance Credit Union. Eligible family members include spouse, children, siblings, parents, grandparents, grandchildren, including step, in-law, legally adoptive relationships and others that have identification showing that they live in the same household as an Alliance Credit Union member. - See Details

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Reviews (1)

Modify Home Mortgage NO!

  i HAVE ASKED MANY TIMES OVER THE PAST THREE YEARS TO MODIFY MY MORTGAE AND LOCK MY RATE IN ,BUT THEY WILL NOT HELP ME . 



Health

Data for Q4 2013

Institution Health

C+

Texas Ratio

GRADE:
B

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Alliance Credit Union had $2.72 million in non-current loans and owned real-estate with $17.93 million in equity and loan loss allowances on hand to cover it. This gives Alliance Credit Union a Texas Ratio of 15.17% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Alliance Credit Union experienced no significant changes from 15.05% as of December 31, 2012 to 15.17% as of December 31, 2013, resulting in a negative change of 0.74%. This indicates that the balance sheet and financial strength for Alliance Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
C+

In the past year, Alliance Credit Union has decreased its total deposits by -$1.09 million, resulting in -0.68% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Alliance Credit Union has shown is average.

Capitalization

GRADE:
C

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Alliance Credit Union has $212.8 million in assets with $17.93 million in equity, resulting in a capitalization level of 8.43%, which is average.

Institution Statistics

Overall
NCUA #63789
Year Chartered1948
Employees53
Primary Regulator
Assets and Liabilities
Assets$212.80 million
Loans$185.67 million
Deposits$160.10 million
Equity Capital$17.27 million
Loan Loss Allowance$663,000
Unbacked Noncurrent Loans$497,000
Real Estate Owned$2.22 million
Historic Data - December 2012
Assets$196.74 million
Equity Capital$16.03 million
Loan Loss Allowance$692,000
Unbacked Noncurrent Loans$497,000
Real Estate Owned$230,000
Profit Margin - Quarterly
Net Interest Margin3.97%
Return on Assets0.53%
Return on Equity6.57%
Interest Income$7.51 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Alliance Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Alliance Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.95%$100k-IRA Account
0.95%$100k-Roth IRA Account
0.95%$100k-CESA Account
0.21%$10k-Savings Account

Alliance Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.43%$100k-Daily Investment Fund

Alliance Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
2.01%-$500Premier Checking
0.21%$100k-Daily Cash Fund Checking

Alliance Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
3.20%$1k-60 Month Step Right Up CD (49-60 Months)
2.66%$1k-48 Month Step Right Up CD (37-48 Months)
1.90%$1k-60 Month Step Right Up CD (25-48 Months)
1.80%$1k-36 Month Step Right Up CD (25-36 Months)
1.66%$1k-48 Month Step Right Up CD (25-36 Months)
1.56%$1k-60 Month CD
1.10%$1k-60 Month Step Right Up CD (0-24 Months)
1.01%$1k-36 Month CD
1.01%$1k-37 Month CD
1.01%$1k-48 Month CD
1.00%$1k-36 Month Step Right Up CD (13-24 Months)
0.85%$1k-48 Month Step Right Up CD (0-24 Months)
0.71%$1k-24 Month CD
0.51%$1k-18 Month CD
0.50%$1k-36 Month Step Right Up CD (0-12 Months)
0.45%$1k-15 Month CD
0.41%$1k-12 Month CD
0.41%$250-Youth 12 Month CD
0.31%$1k-9 Month CD
0.31%$1k-8 Month Super Saver CD
0.27%$1k-7 Month CD
0.26%$1k-6 Month CD
0.21%$1k-3 Month CD

Alliance Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.56%$1k-60 Month IRA (Traditional,Roth,CESA)
1.01%$1k-36 Month IRA (Traditional,Roth,CESA)
1.01%$1k-37 Month IRA (Traditional,Roth,CESA)
1.01%$1k-48 Month IRA (Traditional,Roth,CESA)
0.71%$1k-24 Month IRA (Traditional,Roth,CESA)
0.51%$1k-18 Month IRA (Traditional,Roth,CESA)
0.45%$1k-15 Month IRA (Traditional,Roth,CESA)
0.41%$1k-12 Month IRA (Traditional,Roth,CESA)
0.41%$250-12 Month Youth IRA (Traditional,Roth,CESA)
0.31%$1k-8 Month Super Saver IRA (Traditional,Roth,CESA)
0.31%$1k-9 Month IRA (Traditional,Roth,CESA)
0.27%$1k-7 Month IRA (Traditional,Roth,CESA)
0.26%$1k-6 Month IRA (Traditional,Roth,CESA)
0.21%$1k-3 Month IRA (Traditional,Roth,CESA)
Locations


Alliance Credit Union Locations
Branch Office575 Rudder RdFenton, MO 63026
Branch Office9050 W Florissant AveJennings, MO 63136-1419
Branch Office9150 Pershall RdHazelwood, MO 63042
Branch Office1051 Highway KO Fallon, MO 63366-2912
Branch Office320A Emerson RdHigh Ridge, MO 63049-2542
Branch Office1167 Bryan RdO Fallon, MO 63366-3459