BlastPoint's Credit Union Scorecard
PEOPLE'S ALLIANCE
Charter #3633 · NY
PEOPLE'S ALLIANCE has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.34% above tier average
- + Total Members: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 9.1% in tier
- - Flatlined Growth: Bottom 95.0% in tier
- - ROA 0.36% below tier average
- - Efficiency ratio 6.90% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 8.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,483
-0.4% YoY-0.3% QoQ
|
+17.0K |
15,437
-2.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Top 5.1% in tier |
| Assets |
$319.0M
+1.4% YoY-0.3% QoQ
|
+$87.2M |
$231.9M
+1.3% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$193.0M
+9.1% YoY+1.1% QoQ
|
+$45.6M |
$147.3M
-0.1% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
74% |
| Deposits |
$281.5M
+1.2% YoY-0.4% QoQ
|
+$80.7M |
$200.8M
+0.8% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
0.4%
-0.4% YoY+89.5% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
25% |
| NIM |
3.9%
+9.4% YoY+2.7% QoQ
|
+0.3% |
3.6%
+6.7% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
69% |
| Efficiency Ratio |
83.9%
+2.6% YoY-2.9% QoQ
|
+6.9% |
77.0%
-3.1% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.8%
-3.7% YoY+4.6% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
54% |
| Loan To Share |
68.6%
+7.8% YoY+1.5% QoQ
|
-3.7% |
72.2%
-1.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
39% |
| AMR |
$14,606
+4.7% YoY+0.5% QoQ
|
$-10K |
$24,676
+3.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.1% in tier |
| CD Concentration |
27.1%
+17.7% YoY+2.5% QoQ
|
+2.7% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % |
12.9%
-1.2% YoY+8.3% QoQ
|
-0.9% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)