BlastPoint's Credit Union Scorecard

USALLIANCE

Charter #17587 · NY

Mid-Market 3B-5B

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

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USALLIANCE has 4 strengths but faces 8 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 33.1% in tier
+ Organic Growth Engine: Top 33.1% in tier
+ Loan-to-Share Ratio: Top 1.3% in tier
+ Members Per Employee (MPE): Top 2.6% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 1.3% in tier
- Credit Quality Pressure: Bottom 19.9% in tier
- Credit Risk Growth: Bottom 65.1% in tier
- ROA 0.27% below tier average
- Fee Income Per Member: Bottom 5.2% in tier
- Net Interest Margin (NIM): Bottom 9.1% in tier
- Net Worth Ratio: Bottom 9.1% in tier
- Total Deposits: Bottom 9.1% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 77 credit unions with $3B-$5B in assets nationally, and 1 of 4 that size in New York.
Shares and deposits +6.4% year over year ($2.58B in shares and deposits).
Membership: 195,739 members, +3.6% vs a year ago.
Delinquency rate 0.84%.
Return on assets 0.66%.
Efficiency ratio 67.43% vs a 69.45% peer average.
Loan-to-share ratio 115.96% vs a 90.24% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	195,739 +3.6% YoY+0.8% QoQ	-20.8K	216,545 -9.5% YoY	27,051 +5.9% YoY	34,678 +6.6% YoY	46%
Assets	$3.4B +4.2% YoY-0.5% QoQ	$-548.7M	$3.9B -1.6% YoY	$505.5M +8.1% YoY	$593.1M +10.2% YoY	26%
Loans	$3.0B +3.6% YoY-0.4% QoQ	+$62.5M	$2.9B -1.2% YoY	$338.7M +9.1% YoY	$418.6M +10.1% YoY	54%
Deposits	$2.6B +6.4% YoY+0.7% QoQ	$-675.7M	$3.3B -2.6% YoY	$431.4M +8.2% YoY	$504.8M +10.3% YoY	Bottom 7.8% 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	0.7% +18.1% YoY+7.9% QoQ	-0.3%	0.9% +25.3% YoY	1.2% +60.1% YoY	1.2% +121.4% YoY	22%
NIM	2.4% -3.5% YoY+0.6% QoQ	-0.9%	3.2% +3.8% YoY	3.6% -0.3% YoY	3.8% +2.3% YoY	Bottom 7.8% in tier
Efficiency Ratio	67.4% +1.0% YoY-2.4% QoQ	-2.0%	69.5% -2.3% YoY	80.5% +0.8% YoY	83.0% -5.3% YoY	46%
Delinquency Rate	0.8% +34.0% YoY+15.3% QoQ	+0.0	0.8% +5.5% YoY	1.7% -18.0% YoY	1.3% +2.6% YoY	64%
Loan To Share	116.0% -2.6% YoY-1.0% QoQ	+25.7%	90.2% +0.9% YoY	59.8% -1.2% YoY	66.4% -1.4% YoY	Top 2.6% in tier
AMR	$28,483 +1.3% YoY-0.7% QoQ	$-3K	$31,018 +6.9% YoY	$19,620 +2.7% YoY	$20,028 -0.9% YoY	43%
CD Concentration	45.0% +12.0% YoY+1.3% QoQ	+15.9%	29.1%	16.4%	20.0%	Top 6.1% in tier
Indirect Auto %	3.3% -39.1% YoY-12.1% QoQ	-14.7%	18.1%	2.7%	7.7%	20%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#55 of 112 • Top 33.1% in tier

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

Why This Signature

Member Growth (YoY): 3.61%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 3.34%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY

Organic Growth Engine

growth

#75 of 113 • Top 33.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.61%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 0.66%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 3.34%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | Rank improving

Concerns (3)

Liquidity Strain

risk

#35 of 168 • Bottom 1.3% in tier

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

Why This Signature

Loan-to-Share Ratio: 115.96%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 3.65%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#74 of 215 • Bottom 19.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.21% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Credit Risk Growth

risk

#105 of 170 • Bottom 65.1% in tier

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

Why This Signature

Loan Growth (YoY): 3.65%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.21% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | Rank improving

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 77 peers in tier

Top Strengths (3 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 115.96%

Peer Median: 93.34%

#2 of 77 Top 1.3% in 3B-5B tier

Members Per Employee (MPE)

engagement

Value: 727.654

Peer Median: 390.144

#3 of 77 Top 2.6% in 3B-5B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 3.34%

Peer Median: 18.00%

#12 of 77 Top 14.3% in 3B-5B tier

Top Weaknesses (6 metrics)

Fee Income Per Member

profitability

Value: $66.77

Peer Median: $211.54

#74 of 77 Bottom 5.2% in 3B-5B tier

Net Interest Margin (NIM)

profitability

Value: 2.38%

Peer Median: 3.28%

#71 of 77 Bottom 9.1% in 3B-5B tier

Net Worth Ratio

risk

Value: 8.32%

Peer Median: 10.81%

#71 of 77 Bottom 9.1% in 3B-5B tier

Total Deposits

balance_sheet

Value: $2.58B

Peer Median: $3.34B

#71 of 77 Bottom 9.1% in 3B-5B tier

Share Certificate Concentration (%)

balance_sheet

Value: 44.97%

Peer Median: 32.00%

#70 of 77 Bottom 10.4% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 0.66%

Peer Median: 0.94%

#60 of 77 Bottom 23.4% in 3B-5B tier