BlastPoint's Credit Union Scorecard
GREATER ALLIANCE
Charter #2182 · NJ
GREATER ALLIANCE has 3 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 59.6% in tier
- + Net Interest Margin 0.05% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 5.0% in tier
- - Efficiency Drag: Bottom 19.1% in tier
- - Stagnation Risk: Bottom 26.6% in tier
- - ROA 1.01% below tier average
- - Efficiency ratio 13.79% above tier (higher cost structure)
- - Delinquency rate 0.74% above tier average
- - Member decline: -6.1% YoY
- - Member Growth Rate: Bottom 6.9% in tier
- - Net Worth Ratio: Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,413
-6.1% YoY+0.4% QoQ
|
+5.8K |
15,628
-3.4% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
79% |
| Assets |
$249.0M
+0.8% YoY-1.4% QoQ
|
+$17.7M |
$231.3M
-0.0% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
64% |
| Loans |
$175.6M
-0.3% YoY+0.9% QoQ
|
+$27.8M |
$147.8M
-1.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
69% |
| Deposits |
$225.5M
+0.9% YoY-1.5% QoQ
|
+$25.2M |
$200.3M
-0.0% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
66% |
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| ROA |
-0.2%
-65.0% YoY-26.0% QoQ
|
-1.0% |
0.8%
+15.5% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.8% in tier |
| NIM |
3.6%
+8.4% YoY+1.7% QoQ
|
+0.1% |
3.6%
+6.9% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
54% |
| Efficiency Ratio |
91.1%
-2.8% YoY-0.9% QoQ
|
+13.8% |
77.3%
-3.0% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
Top 8.8% in tier |
| Delinquency Rate |
1.6%
-46.0% YoY-34.3% QoQ
|
+0.7 |
0.9%
+7.6% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
Top 12.4% in tier |
| Loan To Share |
77.9%
-1.1% YoY+2.4% QoQ
|
+5.2% |
72.7%
-1.5% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
58% |
| AMR |
$18,733
+6.8% YoY-0.8% QoQ
|
$-6K |
$24,363
+2.9% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
27% |
| CD Concentration |
29.1%
+3.4% YoY+2.3% QoQ
|
+4.7% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)