BlastPoint's Credit Union Scorecard
LONG ISLAND ALLIANCE
Charter #2782 · NY
LONG ISLAND ALLIANCE has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.17% above tier average
- + Net Interest Margin 0.64% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 4.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,026
+0.2% YoY+0.1% QoQ
|
-599 |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
51% |
| Assets |
$15.7M
-5.1% YoY-5.1% QoQ
|
$-14.1M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
42% |
| Loans |
$2.8M
+0.6% YoY-4.2% QoQ
|
$-13.0M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
23% |
| Deposits |
$13.5M
-7.7% YoY-6.5% QoQ
|
$-12.0M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
43% |
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| ROA |
1.9%
+17.3% YoY+7.3% QoQ
|
+1.2% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Top 11.8% in tier |
| NIM |
4.6%
-3.8% YoY+2.9% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
75% |
| Efficiency Ratio |
63.9%
+9.0% YoY-2.5% QoQ
|
-17.5% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
20% |
| Delinquency Rate |
0.7%
-7.4% YoY+27.1% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
49% |
| Loan To Share |
20.7%
+9.0% YoY+2.5% QoQ
|
-40.5% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 4.7% in tier |
| AMR |
$8,030
-6.6% YoY-6.2% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
20% |
| CD Concentration |
7.6%
+2.8% YoY-13.3% QoQ
|
-16.8% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)