BlastPoint's Credit Union Scorecard
GREATER ALLIANCE
Charter #2182 · NJ
GREATER ALLIANCE has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Net Interest Margin 0.33% above tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - ROA 0.66% below tier average
- - Efficiency ratio 11.98% above tier (higher cost structure)
- - Delinquency rate 0.70% above tier average
- - Deposit Growth Rate: Bottom 6.4% in tier
- - Asset Growth Rate: Bottom 8.7% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in New Jersey.
- Shares and deposits -3.3% year over year ($221M in shares and deposits).
- Membership: 21,671 members, +1.6% vs a year ago.
- Delinquency rate 1.58%.
- Return on assets 0.20%.
- Efficiency ratio 88.72% vs a 76.73% peer average.
- Loan-to-share ratio 81.46% vs a 71.54% 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 (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,671
+1.6% YoY+0.5% QoQ
|
+6.5K |
15,168
-2.6% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
82% |
| Assets |
$247.6M
-2.0% YoY-1.5% QoQ
|
+$15.6M |
$232.0M
+0.7% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
63% |
| Loans |
$180.4M
+3.7% YoY+0.9% QoQ
|
+$34.1M |
$146.3M
+0.2% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
71% |
| Deposits |
$221.4M
-3.3% YoY-2.5% QoQ
|
+$20.7M |
$200.7M
+0.2% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
64% |
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| ROA |
0.2%
-167.0% YoY-421.3% QoQ
|
-0.7% |
0.9%
+12.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 8.7% in tier |
| NIM |
4.0%
+12.2% YoY+2.9% QoQ
|
+0.3% |
3.7%
+4.5% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
71% |
| Efficiency Ratio |
88.7%
-3.4% YoY-0.6% QoQ
|
+12.0% |
76.7%
-0.8% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
Bottom 14.7% in tier |
| Delinquency Rate |
1.6%
-35.4% YoY+83.8% QoQ
|
+0.7 |
0.9%
+6.6% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 12.4% in tier |
| Loan To Share |
81.5%
+7.2% YoY+3.5% QoQ
|
+9.9% |
71.5%
-0.3% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
68% |
| AMR |
$18,539
-1.8% YoY-1.5% QoQ
|
$-7K |
$25,107
+3.2% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
23% |
| CD Concentration |
24.7%
-13.1% YoY-6.4% QoQ
|
+0.2% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)