Federal credit union · Paramus, New Jersey · NCUA charter #2182
Greater Alliance
Health score 63/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 63
- Health / 100
- $252.2M
- Total assets
- 21,382
- Members
- 8.6%
- Net-worth ratio
Greater Alliance scores 63/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $252.2M; members 21,382; net-worth ratio 8.59%; health rank #3,962 of 4,374; healthier than 9th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,962 of 4,374 health · 2025Q4Greater Alliance · health 63/100 · $252.2M · 2025Q4
- MEM 63/100
- RANK 8.6%
- PHOTO 0.96%
- BOOK -0.34%
- CHARTER $252.2M
- NCUSIF 21,382
- CAMELS #3,962/4,374
- HEALTH USX
- NW 2182
Call Report peers
Greater Alliance in the assets neighbourhood
Greater Alliance's $252.2M assets sit next to USX ($252.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Greater Alliance vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
63 9th percentile higher than 9% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Greater Alliance - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #2182: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Greater Alliance
- Loan-to-Share Ratio leads the peer set - 78.57% here, 72.20% peer average (+6.37 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.52 pp (8.59% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Greater Alliance: in-state Call Report ranks
- Health composite ranks #105 of 127 among scored New Jersey credit unions.
- New Jersey assets place: #13 of 127.
- New Jersey membership ordinal: #11 of 127.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Greater Alliance's 5300 filing moved
Greater Alliance: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.4% from $252.2M (2025Q4) to $251.3M (2026Q1).
- Net-worth ratio shifted +0.02 pp (8.57% → 8.59%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.59%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 63/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 63.
- Net Worth Ratio 26.5 pts
- Delinquency Rate 20.4 pts
- Return on Assets 1.4 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.7 pts
Call Report ratios for Greater Alliance
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.59% | -3.52 pp |
| Delinquency Rate | 0.96% | +0.07 pp |
| Return on Assets | -0.34% | -0.97 pp |
| Member Growth | -6.06% | - |
| Loan-to-Share Ratio | 78.57% | +6.37 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Greater Alliance filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $251.3M | - |
| 2025Q4 | $252.2M | 21,382 |
| 2024Q4 | $248.3M | 22,762 |
| 2023Q4 | $243.8M | 22,461 |
Credit Union Details
- Charter Number
- 2182
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New Jersey
- City
- Paramus
- Data Quarter
- 2025Q4
Branch Locations (3)
Greater Alliance operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Paramus, NJ |
| Hackensack Branch | Hackensack, NJ |
| Paterson | Paterson, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
Other-state peers near Greater Alliance
Cross-state asset and health neighbours for Greater Alliance - kept outside New Jersey; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($252.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (63/100 here).
Using this data
- Greater Alliance ranks #3,962 of 4,374 nationally on financial health and #105 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- North Jersey is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with North Jersey
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Greater Alliance financially healthy?
Greater Alliance scores 63/100 (Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,962 of 4,374; by total assets it ranks #1,136 of 4,374 nationally (same basis as /rankings/largest); and #13 of 127 within New Jersey. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 8.59% net worth ratio and a 0.96% delinquency rate.
How does Greater Alliance compare to other credit unions?
Five weighted metrics from NCUA filings produce Greater Alliance's 63/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Greater Alliance?
Greater Alliance operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Greater Alliance directly for the exact boundaries and application steps.
Is my money safe at Greater Alliance?
Federal credit unions like Greater Alliance are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Greater Alliance's net worth ratio of 8.59% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Greater Alliance offer compared to banks?
Credit unions like Greater Alliance are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Greater Alliance directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.