BlastPoint's Credit Union Scorecard
PEOPLE'S ALLIANCE
Charter #3633 · NY
PEOPLE'S ALLIANCE has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.65% above tier average
- + Loan Growth Rate: Top 1.1% in tier
- + Total Members: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.42% below tier average
- - Efficiency ratio 6.33% above tier (higher cost structure)
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 55 that size in New York.
- Shares and deposits -0.5% year over year ($282M in shares and deposits).
- Membership: 33,068 members, +2.7% vs a year ago.
- Delinquency rate 0.58%.
- Return on assets 0.45%.
- Efficiency ratio 83.06% vs a 76.73% peer average.
- Loan-to-share ratio 79.92% 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 (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
33,068
+2.7% YoY+1.7% QoQ
|
+17.9K |
15,168
-2.6% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
Top 4.7% in tier |
| Assets |
$322.2M
+0.2% YoY-1.4% QoQ
|
+$90.2M |
$232.0M
+0.7% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
77% |
| Loans |
$225.7M
+29.3% YoY+14.3% QoQ
|
+$79.5M |
$146.3M
+0.2% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
82% |
| Deposits |
$282.5M
-0.5% YoY-2.1% QoQ
|
+$81.7M |
$200.7M
+0.2% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
78% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
+120.9% YoY+2.0% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
24% |
| NIM |
4.3%
+15.4% YoY+6.0% QoQ
|
+0.6% |
3.7%
+4.5% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
Top 14.8% in tier |
| Efficiency Ratio |
83.1%
-3.5% YoY-1.2% QoQ
|
+6.3% |
76.7%
-0.8% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
69% |
| Delinquency Rate |
0.6%
-37.7% YoY-3.8% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
43% |
| Loan To Share |
79.9%
+30.0% YoY+16.7% QoQ
|
+8.4% |
71.5%
-0.3% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
64% |
| AMR |
$15,368
+8.0% YoY+2.8% QoQ
|
$-10K |
$25,107
+3.2% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 10.4% in tier |
| CD Concentration |
27.0%
+5.9% YoY+1.7% QoQ
|
+2.4% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % |
17.5%
+46.1% YoY+14.0% QoQ
|
+3.9% | 13.6% | 2.7% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)