BlastPoint's Credit Union Scorecard

USALLIANCE

Charter #17587 · NY

Mid-Market 3B-5B

78 CUs in 3B-5B nationally 4 in NY

View Mid-Market leaderboard →

USALLIANCE has 4 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 31.8% in tier
+ Organic Growth Engine: Top 31.8% in tier
+ Loan-to-Share Ratio: Top 0.1% in tier
+ Members Per Employee (MPE): Top 5.1% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 0.8% in tier
- Credit Quality Pressure: Bottom 43.4% in tier
- Credit Risk Growth: Bottom 56.3% in tier
- ROA 0.12% below tier average
- Total Deposits: Bottom 3.8% in tier
- Fee Income Per Member: Bottom 6.4% in tier
- Net Worth Ratio: Bottom 9.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	194,175 +3.8% YoY+0.8% QoQ	-26.3K	220,435 -7.6% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	42%
Assets	$3.4B +5.1% YoY+1.1% QoQ	$-546.6M	$3.9B -1.5% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	27%
Loans	$3.0B +4.7% YoY+0.5% QoQ	+$111.9M	$2.9B -1.1% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	54%
Deposits	$2.6B +5.1% YoY+1.7% QoQ	$-733.7M	$3.3B -2.5% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	Bottom 2.6% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% +16.1% YoY-2.2% QoQ	-0.1%	0.7% +10.6% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	37%
NIM	2.4% -2.1% YoY-2.7% QoQ	-0.8%	3.2% +4.6% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	Bottom 9.0% in tier
Efficiency Ratio	69.1% +2.0% YoY+6.7% QoQ	-2.2%	71.3% -2.6% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	49%
Delinquency Rate	0.7% +7.8% YoY-1.3% QoQ	+0.0	0.7% +9.2% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	63%
Loan To Share	117.2% -0.4% YoY-1.2% QoQ	+29.2%	88.0% +0.9% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	Top 1.3% in tier
AMR	$28,681 +1.0% YoY+0.3% QoQ	$-2K	$30,672 +5.5% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	47%
CD Concentration	44.4% +14.5% YoY+1.6% QoQ	+15.6%	28.8%	16.4%	19.8%	Top 5.7% in tier
Indirect Auto %	3.8% -38.8% YoY-11.6% QoQ	-14.3%	18.1%	2.6%	7.7%	23%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#49 of 116 • Top 31.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.83%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Indirect Auto %: 3.80%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth

#63 of 115 • Top 31.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.83%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Return on Assets: 0.62%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 3.80%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Concerns (3)

Liquidity Strain

risk

#23 of 148 • Bottom 0.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 117.19%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 4.69%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#165 of 225 • Bottom 43.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

Credit Risk Growth

risk

#151 of 183 • Bottom 56.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.69%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

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)

Compare against:

Comparing against 78 peers in tier

Top Strengths (3 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 117.19%

Peer Median: 90.65%

#1 of 78 Top 0.1% in 3B-5B tier

Members Per Employee (MPE)

engagement

Value: 698.471

Peer Median: 393.414

#5 of 78 Top 5.1% in 3B-5B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 3.80%

Peer Median: 18.10%

#14 of 78 Top 16.7% in 3B-5B tier

Top Weaknesses (5 metrics)

Total Deposits

balance_sheet

Value: $2.56B

Peer Median: $3.34B

#76 of 78 Bottom 3.8% in 3B-5B tier

Fee Income Per Member

profitability

Value: $62.06

Peer Median: $175.66

#74 of 78 Bottom 6.4% in 3B-5B tier

Net Worth Ratio

risk

Value: 8.30%

Peer Median: 10.59%

#72 of 78 Bottom 9.0% in 3B-5B tier

Net Interest Margin (NIM)

profitability

Value: 2.37%

Peer Median: 3.23%

#71 of 78 Bottom 10.3% in 3B-5B tier

Share Certificate Concentration (%)

balance_sheet

Value: 44.40%

Peer Median: 31.76%

#71 of 78 Bottom 10.3% in 3B-5B tier