Rochester, MN · State Credit Union · Chartered in MN
Who can join
State government employees (special charter)
Members
21,663
Net Worth Ratio
10.44%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$335.0M
Total Shares
$287.8M
Total Loans
$247.0M
Net Income
$2.5M
Net Worth Ratio
10.44%
≥7% = Well Capitalized
Members
21,663
Return on Assets
0.74%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.90%
$2.2M
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 310 | 123 | 161 | 39.7% | 51.9% |
| 2022 | 214 | 124 | 55 | 57.9% | 25.7% |
| 2021 | 276 | 173 | 64 | 62.7% | 23.2% |
Last 12 Months
1
Since 2018
7
all complaints on record
Monetary Relief
0%
% of complaints with monetary relief
Untimely Response
0%
% exceeding 15-day window
Monthly Complaints (2021–present)
Data through Oct 2025.Last 12 months shown — upgrade for full history.
16th Street
501 16th St SE, Rochester, MN, 55904
Lobby: Mon-Fri 9 AM - 5 PM; Sat 9 AM -Noon Drive Up Kiosk: Mon-Fri: 7:30 AM - 6:00 PM and Sat 8AM - Noon.
Byron
1011 Tompkins Dr NE, Byron, MN, 55920
Drive Thru Kiosk: Mon - Fri 7:30 AM - 6 PM; Sat 8 AM - Noon. Lobby: Mon - Fri : 10 AM - 5 PM
Stewartville
300 Main ST N, Stewartville, MN, 55976-1235
Lobby: Mon-Fri 10 AM to 5 PM Drive Up Kiosk: Mon -Fri: 7:30 AM -6 PM and Sat 8 AM - Noon.
Commerce Dr
2483 Commerce Dr NW, Rochester, MN, 55901
Lobby: Mon-Fri 8 AM to 5 PM; Sat 9 AM - Noon Drive Up Kiosk: Mon-Fri: 7:30 AM -6 PM and Sat 8 AM-Noon.
Lake City
201 N 8th St, Lake City, MN, 55041
Lobby: Mon-Fri 8:30 AM to 4:30 PM. Drive-Up kiosk: Mon -Fri 7:30 AM to 6 PM, Sat 8 AM - Noon.
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<a href="https://bankscorer.com/credit-union/first-alliance" target="_blank" rel="noopener">View FIRST ALLIANCE on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 85.8%· healthy range 60–80%
'22
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2021–2025 locked
Full 2021–present history available — see pricing from $14/mo.