digital credit union

Alliant Credit Union

A large digital credit union and not-for-profit financial cooperative whose members are owners, offering national online banking and consumer credit products. Alliant Credit Union scores well because ownership is comparatively aligned and the model leaves more value with stakeholders, though material opacity and surveillance capture still limits the evaluation.

Why this matters: Alliant is a useful credit-union comparator: structurally better than shareholder banks, but more conventional and less community-development focused than the strongest alternatives.

Letter grade B Qualified High confidence (AI) Rubric gcd-rubric-v1 Last reviewed May 8, 2026

Final Score 45* B - Qualified

BQUALIFIED45 pts

* Tentative scaffolding score. Not human-checked or final.

Base Material48

Bonus+0

Cap66No structure cap

After Cap48

Penalties-3

!Not Verified

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Evaluation Overview

B - Qualified

The score turns mainly on Ownership, with the largest penalty coming from Accountability Opacity.

Strengths

Ownership7/10
Extraction7/10
Governance6/10

Penalties

Accountability Opacity-2
Surveillance Capture-1

Evidence state

ConfidenceHigh confidence (AI)
ThoroughnessExtensive (AI)
Linked claims11
Direct axis claims11
Coverage11/11

Scoring Axes

Axis	Score	Why this score
Ownership ? Control rights: shareholder-dominated at 0, worker cooperative control at 10.	7 / 10	Alliant Credit Union says it is a not-for-profit financial cooperative and that all members are owners. Alliant Credit Union says it is a not-for-profit financial cooperative and that all members are owners. That places Alliant Credit Union in the middle of Ownership: there is some mission, member, producer, or public-interest constraint, but decisive control is not fully democratic. The value stays below the top tier because the linked record does not show full democratic control, non-extractive lock-in, or complete stakeholder protection on this axis. Calibration notes Comparative anchor: Finance-sector expansion; comparative column calibration should be revisited in the next full-axis pass. Linked evidence Alliant Credit Union says it is a not-for-profit financial cooperative and that all members are owners. [1]
Governance ? Binding decision authority: centralized control at 0, democratic stakeholder control at 10.	6 / 10	Alliant’s credit-union form gives members ownership rights rather than stockholder control, though the available evidence is less participatory than worker-cooperative governance. Alliant’s credit-union form gives members ownership rights rather than stockholder control, though the available evidence is less participatory than worker-cooperative governance. That places Alliant Credit Union in the middle of Governance: there are accountability mechanisms, but they stop short of broad democratic control. The value stays below the top tier because the linked record does not show full democratic control, non-extractive lock-in, or complete stakeholder protection on this axis. Calibration notes Comparative anchor: Finance-sector expansion; comparative column calibration should be revisited in the next full-axis pass. Linked evidence Alliant’s credit-union form gives members ownership rights rather than stockholder control, though the available evidence is less participatory than worker-cooperative governance. [2]
Extraction ? Surplus allocation, wage share, CEO pay ratio, margins, and structured extraction judgment.	7 / 10	Alliant’s not-for-profit cooperative structure routes surplus toward members rather than outside shareholders. Alliant’s not-for-profit cooperative structure routes surplus toward members rather than outside shareholders. That places Alliant Credit Union in the middle of Extraction: the institution creates real value but still leaves room for rent extraction, unequal bargaining, or surplus capture. The value stays below the top tier because the linked record does not show full democratic control, non-extractive lock-in, or complete stakeholder protection on this axis. Calibration notes Comparative anchor: Finance-sector expansion; comparative column calibration should be revisited in the next full-axis pass. Linked evidence Alliant’s not-for-profit cooperative structure routes surplus toward members rather than outside shareholders. [3]
Labor Sovereignty ? Worker power: coercive conditions at 0, co-determination or ownership at 7. Employee dissatisfaction matters only when source-backed evidence shows concrete limits on worker agency, such as coercive scheduling, retaliation, wage theft, harassment, unsafe conditions, suppression of worker voice, or extreme turnover.	4 / 7	Alliant’s public structure supports member ownership more clearly than worker governance, keeping labor sovereignty moderate. Alliant’s public structure supports member ownership more clearly than worker governance, keeping labor sovereignty moderate. That places Alliant Credit Union in the middle of Labor Sovereignty: workers or participants have some protection or agency, but not enough binding power to control the relationship. The value stays below the top tier because the linked record does not show full democratic control, non-extractive lock-in, or complete stakeholder protection on this axis. Calibration notes Comparative anchor: Finance-sector expansion; comparative column calibration should be revisited in the next full-axis pass. Linked evidence Alliant’s public structure supports member ownership more clearly than worker governance, keeping labor sovereignty moderate. [4]
Solidarity with the Unemployed ? Treatment of exits and nonworkers, including severance, redeployment, and non-competes.	4 / 7	Alliant offers broadly accessible online banking and financial education, but does not present as a targeted CDFI for underbanked communities. Alliant offers broadly accessible online banking and financial education, but does not present as a targeted CDFI for underbanked communities. That places Alliant Credit Union in the middle of Solidarity with the Unemployed: some access, severance, retraining, openness, or mutual-aid value is present, but it is not central or durable. The value stays below the top tier because the linked record does not show full democratic control, non-extractive lock-in, or complete stakeholder protection on this axis. Calibration notes Comparative anchor: Finance-sector expansion; comparative column calibration should be revisited in the next full-axis pass. Linked evidence Alliant offers broadly accessible online banking and financial education, but does not present as a targeted CDFI for underbanked communities. [5]
Loss-Bearing Fidelity ? Willingness to absorb costs to preserve values, workers, users, and public obligations.	5 / 7	Alliant’s cooperative form creates more member-facing loss-bearing than a shareholder bank, while its mission lock is more generic than CDFI alternatives. Alliant’s cooperative form creates more member-facing loss-bearing than a shareholder bank, while its mission lock is more generic than CDFI alternatives. That places Alliant Credit Union in the middle of Loss-Bearing Fidelity: there is some willingness to preserve obligations, but the record still leaves meaningful risk-shifting concerns. The value stays below the top tier because the linked record does not show full democratic control, non-extractive lock-in, or complete stakeholder protection on this axis. Calibration notes Comparative anchor: Finance-sector expansion; comparative column calibration should be revisited in the next full-axis pass. Linked evidence Alliant’s cooperative form creates more member-facing loss-bearing than a shareholder bank, while its mission lock is more generic than CDFI alternatives. [6]
Market Conduct ? Pricing fairness, switching costs, lock-in, and rent extraction.	5 / 5	Alliant offers digital banking, checking, savings, loans, credit cards, and financial education through a member-owned not-for-profit model. Alliant offers digital banking, checking, savings, loans, credit cards, and financial education through a member-owned not-for-profit model. That places Alliant Credit Union high on Market Conduct: pricing, access, switching, and bargaining practices show restraint compared with ordinary rent-seeking competitors. A still-higher or maximum value requires stronger proof that this structure is durable, broad, and not merely discretionary. Calibration notes Comparative anchor: Finance-sector expansion; comparative column calibration should be revisited in the next full-axis pass. Linked evidence Alliant offers digital banking, checking, savings, loans, credit cards, and financial education through a member-owned not-for-profit model. [7]
Product Integrity ? Preservation of quality rather than degradation for monetization.	5 / 5	Alliant’s national digital banking products are useful and comparatively member-aligned, without evidence here of product degradation as the core model. Alliant’s national digital banking products are useful and comparatively member-aligned, without evidence here of product degradation as the core model. That places Alliant Credit Union high on Product Integrity: the core offering is genuinely useful and comparatively less dependent on traps, degradation, or harmful dependencies. A still-higher or maximum value requires stronger proof that this structure is durable, broad, and not merely discretionary. Calibration notes Comparative anchor: Finance-sector expansion; comparative column calibration should be revisited in the next full-axis pass. Linked evidence Alliant’s national digital banking products are useful and comparatively member-aligned, without evidence here of product degradation as the core model. [8]
Scale Integrity ? Whether growth improves or degrades fairness and accountability.	5 / 5	Alliant’s digital-credit-union model scales nationally while preserving credit-union ownership, though it is less place-based than CDFI entries. Alliant’s digital-credit-union model scales nationally while preserving credit-union ownership, though it is less place-based than CDFI entries. That places Alliant Credit Union high on Scale Integrity: growth appears compatible with accountability, quality, and stakeholder benefit. A still-higher or maximum value requires stronger proof that this structure is durable, broad, and not merely discretionary. Calibration notes Comparative anchor: Finance-sector expansion; comparative column calibration should be revisited in the next full-axis pass. Linked evidence Alliant’s digital-credit-union model scales nationally while preserving credit-union ownership, though it is less place-based than CDFI entries. [9]

Penalties

Penalty	Applied	Why this penalty
Accountability Opacity ? Material opacity, reputation laundering, or hidden accountability structures that prevent public accountability. Range: -2 to 0.	-2	Alliant’s public presentation gives clear cooperative ownership claims but limited readily visible detail on member governance participation and internal accountability compared with stronger cooperatives. Alliant’s public presentation gives clear cooperative ownership claims but limited readily visible detail on member governance participation and internal accountability compared with stronger cooperatives. That warrants a severe Accountability Opacity penalty because material facts, risks, conflicts, ownership, or accountability information are obscured from the public. The value is near the floor because the conduct appears central, large-scale, repeated, or institutionally powerful rather than incidental. Calibration notes Comparative anchor: Finance-sector expansion; comparative column calibration should be revisited in the next full-axis pass. Linked evidence Alliant’s public presentation gives clear cooperative ownership claims but limited readily visible detail on member governance participation and internal accountability compared with stronger cooperatives. [10]
Surveillance Capture ? Invasive surveillance, unreasonably non-optional tracking, facial recognition, biometric identification, or AI behavior scanning of customers, workers, bystanders, or the public. Range: -5 to 0.	-1	Alliant is an online-first financial institution, so account access depends on digital-banking data collection and monitoring even without unusual biometric or behavior-scanning evidence. Alliant is an online-first financial institution, so account access depends on digital-banking data collection and monitoring even without unusual biometric or behavior-scanning evidence. That warrants a limited Surveillance Capture penalty because customers, workers, users, bystanders, or the public are exposed to invasive tracking, biometrics, or behavior scanning. The value is limited because the linked record shows a real problem but not one that dominates the profile on this axis. Calibration notes Comparative anchor: Finance-sector expansion; comparative column calibration should be revisited in the next full-axis pass. Linked evidence Alliant is an online-first financial institution, so account access depends on digital-banking data collection and monitoring even without unusual biometric or behavior-scanning evidence. [11]

Bonus Credits

No bonus credits applied in this version.

Confidence Basis

Confidence is computed from the evidence trail and review state, not typed into the profile by hand.

High 84/100

11 verified linked claims 11 direct axis claims 0 disputed claims 11/11 components covered

This confidence label measures the source-backed evidence trail. AI-scaffolded scores remain tentative until human review.

Claim confidence 13/20

11 verified linked claims

Source quality 18/18

Best source per verified claim, weighted by institutional reliability

Direct axis-specific claims 14/18

11 direct claims across 11 active components

Dispute load 12/12

0 disputed claims on this entity

Recency 10/10

Newest accepted timestamp: May 13, 2026

Reviewer status 7/12

Human-reviewed components score higher than AI scaffolding

Component coverage 10/10

11/11 evidence-bearing components have direct support

Evidence State

Profile stateAI draft / human-pending

VerificationUnverified

ConfidenceHigh confidence (AI)

ThoroughnessExtensive (AI)

Correction routeUse “Challenge this rating” for factual errors, missing counterevidence, source problems, or calculation mistakes.

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Claims and Sources

Claims are the evidence record. Each claim needs a source link, axis category, status, confidence level, and timestamp before it can support a score.

* Tentative scaffolding score. Not human-checked or final.

1Alliant Credit Union says it is a not-for-profit financial cooperative and that all members are owners.

Ownership Verified Medium confidence Human-reviewed May 8, 2026

NCUA overview of federal credit unionsPrimary public record · 100%
Alliant Credit Union aboutOfficial self-description · 68%
Alliant Credit Union membershipGeneral web source · 58%

2Alliant’s credit-union form gives members ownership rights rather than stockholder control, though the available evidence is less participatory than worker-cooperative governance.

Governance Verified Medium confidence Human-reviewed May 8, 2026

NCUA overview of federal credit unionsPrimary public record · 100%
Alliant Credit Union aboutOfficial self-description · 68%
Alliant Credit Union membershipGeneral web source · 58%

3Alliant’s not-for-profit cooperative structure routes surplus toward members rather than outside shareholders.

Extraction Verified Medium confidence Human-reviewed May 8, 2026

NCUA overview of federal credit unionsPrimary public record · 100%
Alliant Credit Union aboutOfficial self-description · 68%
Alliant Credit Union membershipGeneral web source · 58%

4Alliant’s public structure supports member ownership more clearly than worker governance, keeping labor sovereignty moderate.

Labor Sovereignty Verified Medium confidence Human-reviewed May 8, 2026

NCUA overview of federal credit unionsPrimary public record · 100%
Alliant Credit Union aboutOfficial self-description · 68%
Alliant Credit Union membershipGeneral web source · 58%

5Alliant offers broadly accessible online banking and financial education, but does not present as a targeted CDFI for underbanked communities.

Solidarity Unemployed Verified Medium confidence Human-reviewed May 8, 2026

NCUA overview of federal credit unionsPrimary public record · 100%
Alliant Credit Union aboutOfficial self-description · 68%
Alliant Credit Union membershipGeneral web source · 58%

6Alliant’s cooperative form creates more member-facing loss-bearing than a shareholder bank, while its mission lock is more generic than CDFI alternatives.

Loss Bearing Fidelity Verified Medium confidence Human-reviewed May 8, 2026

NCUA overview of federal credit unionsPrimary public record · 100%
Alliant Credit Union aboutOfficial self-description · 68%
Alliant Credit Union membershipGeneral web source · 58%

7Alliant offers digital banking, checking, savings, loans, credit cards, and financial education through a member-owned not-for-profit model.

Market Conduct Verified Medium confidence Human-reviewed May 8, 2026

NCUA overview of federal credit unionsPrimary public record · 100%
Alliant Credit Union aboutOfficial self-description · 68%
Alliant Credit Union membershipGeneral web source · 58%

8Alliant’s national digital banking products are useful and comparatively member-aligned, without evidence here of product degradation as the core model.

Product Integrity Verified Medium confidence Human-reviewed May 8, 2026

NCUA overview of federal credit unionsPrimary public record · 100%
Alliant Credit Union aboutOfficial self-description · 68%
Alliant Credit Union membershipGeneral web source · 58%

9Alliant’s digital-credit-union model scales nationally while preserving credit-union ownership, though it is less place-based than CDFI entries.

Scale Integrity Verified Medium confidence Human-reviewed May 8, 2026

NCUA overview of federal credit unionsPrimary public record · 100%
Alliant Credit Union aboutOfficial self-description · 68%
Alliant Credit Union membershipGeneral web source · 58%

10Alliant’s public presentation gives clear cooperative ownership claims but limited readily visible detail on member governance participation and internal accountability compared with stronger cooperatives.

Accountability Opacity Verified Medium confidence Human-reviewed May 8, 2026

NCUA overview of federal credit unionsPrimary public record · 100%
Alliant Credit Union aboutOfficial self-description · 68%
Alliant Credit Union membershipGeneral web source · 58%

11Alliant is an online-first financial institution, so account access depends on digital-banking data collection and monitoring even without unusual biometric or behavior-scanning evidence.

Surveillance Capture Verified Medium confidence Human-reviewed May 8, 2026

NCUA overview of federal credit unionsPrimary public record · 100%
Alliant Credit Union aboutOfficial self-description · 68%
Alliant Credit Union membershipGeneral web source · 58%

Alternatives

Competitors

AGOOD55 HOPE Credit Union community development credit union · same market AGOOD55 Self-Help Credit Union community development credit union · same market AGOOD54 The Institute of Student Loan Advisors nonprofit free student-loan advice organization · same market AGOOD53 Clean Energy Credit Union federally chartered credit union · same market AGOOD53 National Foundation for Credit Counseling nonprofit credit-counseling network · same market AGOOD52 Seattle Credit Union community development credit union · same market AGOOD52 State Employees' Credit Union (NC) large state credit union · same market AGOOD50 Beneficial State Bank community development bank · same market

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Audit Log

Recent public changes for this company or group. The full audit log is part of the Transparency record.

May 8, 2026 at 12:00 AM UTC ai-scaffolding finance-sector-expansion

Added sourced credit-union and alternative-finance evaluation with axis-specific claims and scoring components.

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