Message from the CEO
Celebrating 90 Years of Progress and Our Bold Path Ahead

As 2025 marked Alliant’s 90th anniversary, I can’t help but reflect on how far we’ve come and how much further we’re going. From humble beginnings in 1935 with 146 members and just over $5,000 in assets, we’ve grown into one of the nation’s largest credit unions, serving more than 900,000 members. This demonstrates what trust, innovation, and a shared commitment to always doing what’s right for our members can achieve. 2025 was a year of bold moves for us. In my first months as CEO, I’ve seen firsthand what makes Alliant special: the passion and energy of our team and the loyalty of our members. Together, we achieved a lot this year:

  • Smarter Digital Banking: We launched new tools and enhancements to make managing your money simpler, faster, and more intuitive.
  • Stronger Security: We doubled down on protecting your financial wellness with advanced security measures.
  • Member-First Experience: Every improvement we made this year had one goal—making your banking experience better.
  • Financial Strength: We kept rates competitive and ensured stability, putting more money back in your pocket.
  • Impact Beyond Banking: From social impact programs to financial wellness initiatives, we continued to make a real difference in the communities we serve.

And we are just getting started. The next chapter for Alliant is about disrupting the industry in ways that benefit you and your financial future. That means continuing to create better products and experiences for you, keeping you at the center of every decision we make.
 
Thank you for trusting us with your financial journey. Here’s to 90 years of incredible progress and an even brighter future together.

Mike Dobbins
President & Chief Executive Officer
Alliant Credit Union

YEAR IN REVIEW

Throughout 2025, our members were our top priority. We improved our service and enhanced our digital tools for a more seamless member experience, doubled down on advanced security measures, put more money back in members’ pockets through more competitive rates and no-fee products, and contributed to strengthening our communities through financial wellness education and technology access programs.

Wow-ing Our Members

Our commitment to wow-ing our members and continuous improvement paid off in meaningful ways. Through strategic investments and process enhancements, we reduced our average inquiry resolution by 43 seconds, freeing up an astounding 440,000 minutes (about 10 months) for our members this year. And our member feedback speaks volumes: Our NPS (Net Promotor Score) which indicates member loyalty remained an “excellent” rating of 57, and 88% of surveyed members rated our agents four or five stars, a testament to the professionalism and expertise that define our service.

  • Reduced average inquiry resolution time by 43 seconds.
  • 78% of members achieved full resolution in just one interaction.
  • NPS, which indicates member loyalty, remained “excellent” with a rating of 57 versus the banking industry average of 22.

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Delivering More for Our Members

This year, we continued to redefine what convenience means for our members. We successfully launched convenient contactless cards and Early Payday, giving members greater flexibility and peace of mind, while also keeping our rates highly competitive. Nearly 500,000 members logged in more than 42 million times, a clear signal that our platforms are central to their financial lives.

  • High-rate savings rate that’s 16x higher the national bank average.
  • 170,000 new products opened by our members.
  • Launched a game-changing direct lending platform, serving 2,500 households and closing over $1.4 billion in direct first mortgage volume.
  • Closed over $500 million in commercial real estate loans, including industrial, multifamily, student housing, and self-storage projects.

Doing Good for Our Members, Employees, and Communities

The Alliant Credit Union Foundation continued its commitment to empower individuals and families through grants, scholarships, charitable partnerships, and employee-driven initiatives. This year we contributed to communities through our Social Impact Month (which included a charity softball game, blood drive, and employee field day), St. Jude Walk for Children’s Cancer Awareness, PCs for People electronics drives, scholarships and financial literacy for Ridgewood High School, and matching employee donations to causes.

  • $35,000 in Alliant employee donations fully matched by the Alliant Credit Union Foundation.
  • $900,000+ in Alliant Credit Union Foundation grants were distributed to charities.
  • 3,600+ volunteer hours by Alliant employees.

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Download a summary of our 2025 annual report

Download Annual Report (PDF)

Financial Statement

Key Metrics 2024 2025
     
Total Primary Members 901,055 923,396
Total Net Worth $1,791,443,748 $1,820,017,184
Total Gross Loans 15,313,786,246 16,035,892,373
Total Deposits 16,035,134,019 16,212,798,082
Total Assets 19,539,151,845 20,267,045,115
Net Income 81,667,602 111,413,610
Net Worth Ratio 9.09% 8.94%
Total Dividends Paid 569,268,216 543,683,112
Net Income Before Dividends 650,935,818 655,096,721
Dividends Paid / Net Income Before Dividends 87.5% 83.0%
Interest Income 1,256,001,431 1,259,366,679
Net Interest Income 425,493,366 423,161,226
Operating Expense / Average Assets 1.24% 1.27%

* As a 501(c)14, and in accordance with 205 ILCS 305/23, Alliant Credit Union files a Form 990 annually.