USALLIANCE

Charter #17587 | NY

3B-5B (76 CUs) Mid-Market (380 CUs)
4 3B-5B in NY

USALLIANCE has 4 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 16.8% in tier
  • + Organic Growth Engine: Top 17.5% in tier
  • + Loan-to-Share Ratio: Top 0.0% in tier
  • + Members Per Employee (MPE): Top 6.6% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 5.2% in tier
  • - Shrinking Wallet Share: Bottom 14.2% in tier
  • - Credit Quality Pressure: Bottom 19.1% in tier
  • - Growth-at-Risk: Bottom 25.0% in tier
  • - ROA 0.09% below tier average
  • - Total Deposits: Bottom 1.3% in tier
  • - Fee Income Per Member: Bottom 6.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 190,669
+3.9% YoY+0.9% QoQ
 -47.8K 238,465
+0.6% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 33rd in tier
Assets $3.3B
+0.7% YoY+1.7% QoQ
 $-696.9M $4.0B
-0.1% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 Bottom 13.2% in tier
Loans $2.9B
+2.7% YoY+0.9% QoQ
 $-105.4M $3.0B
+3.3% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 42nd in tier
Deposits $2.5B
-0.4% YoY+1.3% QoQ
 $-874.6M $3.3B
+1.1% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 Bottom 0.0% in tier
ROA 0.7%
+39.2% YoY+17.2% QoQ
 -0.1% 0.7%
+5.3% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 38th in tier
NIM 2.5%
+2.8% YoY+0.3% QoQ
 -0.7% 3.2%
+13.7% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 Bottom 10.5% in tier
Efficiency Ratio 66.1%
+4.1% YoY-1.0% QoQ
 -5.1% 71.3%
-0.6% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 33rd in tier
Delinquency Rate 0.7%
+11.7% YoY+11.2% QoQ
 -0.1 0.8%
+15.9% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 58th in tier
Loan To Share 118.5%
+3.1% YoY-0.5% QoQ
 +27.7% 90.8%
+2.0% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 Top 1.3% in tier
AMR $28,175
-2.6% YoY+0.2% QoQ
 $-913 $29,088
+0.1% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 47th in tier
CD Concentration 42.6%
+2.4% YoY+6.2% QoQ
 +13.6% 29.0%
+0.8% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 Top 8.7% in tier
Indirect Auto % 5.0%
-31.7% YoY-8.9% QoQ
 -13.8% 18.8%
-2.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 Bottom 24.0% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#67 of 138 • Top 16.8% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.88%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank worsening

Organic Growth Engine

growth
#128 of 246 • Top 17.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.88%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.66%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 5.00%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY

Concerns (4)

Liquidity Strain

risk
#28 of 183 • Bottom 5.2% in tier

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

Why This Signature
Loan-to-Share Ratio: 118.51%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 2.65%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#44 of 83 • Bottom 14.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.55%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | New qualifier

Credit Quality Pressure

risk
#147 of 217 • Bottom 19.1% in tier

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

Why This Signature
Delinquency Change (YoY): 0.07% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | New qualifier

Growth-at-Risk

risk
#140 of 161 • Bottom 25.0% in tier

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

Why This Signature
Loan Growth (YoY): 2.65%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.07% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | 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)

Comparing against 76 peers in tier

Top Strengths (3 metrics)

1
Loan-to-Share Ratio
balance_sheet
Value: 118.51%
Peer Avg: 90.85%
#1 of 76 Top 0.0% in 3B-5B tier
6
Members Per Employee (MPE)
engagement
Value: 706.181
Peer Avg: 433.941
#6 of 76 Top 6.6% in 3B-5B tier
13
Indirect Auto Concentration (%)
balance_sheet
Value: 5.00%
Peer Avg: 20.57%
#13 of 76 Top 15.8% in 3B-5B tier

Top Weaknesses (9 metrics)

76
Total Deposits
balance_sheet
Value: $2.46B
Peer Avg: $3.33B
#76 of 76 Bottom 1.3% in 3B-5B tier
72
Fee Income Per Member
profitability
Value: $72.87
Peer Avg: $191.96
#72 of 76 Bottom 6.6% in 3B-5B tier
68
Net Interest Margin (NIM)
profitability
Value: 2.48%
Peer Avg: 3.20%
#68 of 76 Bottom 11.8% in 3B-5B tier
68
Net Worth Ratio
risk
Value: 8.43%
Peer Avg: 10.75%
#68 of 76 Bottom 11.8% in 3B-5B tier
66
Deposit Growth Rate
growth
Value: -0.41%
Peer Avg: 8.84%
#66 of 76 Bottom 14.5% in 3B-5B tier
66
Total Assets
balance_sheet
Value: $3.27B
Peer Avg: $3.97B
#66 of 76 Bottom 14.5% in 3B-5B tier
65
Share Certificate Concentration (%)
balance_sheet
Value: 42.61%
Peer Avg: 30.70%
#65 of 76 Bottom 15.8% in 3B-5B tier
63
AMR Growth Rate
growth
Value: -2.55%
Peer Avg: 2.07%
#63 of 76 Bottom 18.4% in 3B-5B tier
61
Asset Growth Rate
growth
Value: 0.66%
Peer Avg: 7.42%
#61 of 76 Bottom 21.1% in 3B-5B tier