BlastPoint's Credit Union Scorecard
GREATER ALLIANCE
Charter #2182 · NJ
GREATER ALLIANCE has 3 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 39.1% in tier
- + Net Interest Margin 0.15% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 17.5% in tier
- - Stagnation Risk: Bottom 30.0% in tier
- - Efficiency Drag: Bottom 81.2% in tier
- - ROA 0.61% below tier average
- - Efficiency ratio 9.69% above tier (higher cost structure)
- - Delinquency rate 0.07% above tier average
- - Member decline: -6.1% YoY
- - Member Growth Rate: Bottom 7.8% in tier
- - Net Worth Ratio: Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,382
-6.1% YoY-0.1% QoQ
|
+5.9K |
15,437
-2.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$252.2M
+1.6% YoY+1.3% QoQ
|
+$20.4M |
$231.9M
+1.3% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
64% |
| Loans |
$179.0M
+2.9% YoY+1.9% QoQ
|
+$31.7M |
$147.3M
-0.1% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$227.8M
+1.5% YoY+1.0% QoQ
|
+$27.0M |
$200.8M
+0.8% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
66% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.2%
-144.6% YoY-170.8% QoQ
|
-0.6% |
0.8%
+18.2% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.2% in tier |
| NIM |
3.8%
+10.2% YoY+3.3% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
59% |
| Efficiency Ratio |
86.7%
-3.6% YoY-4.8% QoQ
|
+9.7% |
77.0%
-3.1% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
83% |
| Delinquency Rate |
1.0%
-62.3% YoY-40.1% QoQ
|
+0.1 |
0.9%
+4.2% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
67% |
| Loan To Share |
78.6%
+1.4% YoY+0.9% QoQ
|
+6.3% |
72.2%
-1.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
60% |
| AMR |
$19,027
+8.7% YoY+1.6% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration |
27.9%
+1.2% YoY-4.0% QoQ
|
+3.5% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)