Federal credit union · HAUPPAUGE, New York · NCUA charter #2782
Long Island Alliance
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $16.1M
- Total assets
- 2,028
- Members
- 13.9%
- Net-worth ratio
Long Island Alliance - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #2782 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Long Island Alliance - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth63
- Liquidity (loan-to-share)52
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
13.93% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.93% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 1.49% | 15% |
| Member Growth | 0.35% | 15% |
| Loan-to-Share Ratio | 19.61% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $16.1M | 2,028 |
| 2024Q4 | $16.0M | 2,021 |
| 2023Q4 | $16.3M | 2,009 |
Credit Union Details
- Charter Number
- 2782
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $10M–$50M
- State
- New York
- City
- HAUPPAUGE
- Data Quarter
- 2025Q4
What This Data Says About Long Island Alliance
The five-factor composite scores Long Island Alliance at 87/100 (Excellent), reflecting a net worth ratio of 13.93% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in HAUPPAUGE, New York, reports 2,028 members, $16.1M in total assets, and $2.7M in outstanding loans as of Q4 2025 under charter #2782 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 0.00% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 19.61% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.49% on net income of $239K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.35%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Multiple Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
- ATT-WYO CORRECTIONAL EMPLOYEESAttica, NY · $10M–$50M79Health
- DUNLOP EMPLOYEESBuffalo, NY · $10M–$50M61Health
- BROCKPORTBrockport, NY · $10M–$50M32Health
- FASNYALBANY, NY · $10M–$50M87Health
- BUFFALO POLICEBuffalo, NY · $10M–$50M97Health
Compare Long Island Alliance vs ATT-WYO CORRECTIONAL EMPLOYEES
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Long Island Alliance financially healthy?
Yes/no aside, the number is 87/100 (Excellent) - Long Island Alliance's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.93% net worth ratio and 0.00% delinquency rate are the key drivers.
How does Long Island Alliance compare to other credit unions?
Long Island Alliance scores 87/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Long Island Alliance?
Long Island Alliance serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Long Island Alliance directly for the current list of qualifying groups.
Is my money safe at Long Island Alliance?
Federal credit unions like Long Island 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. Long Island Alliance's net worth ratio of 13.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Long Island Alliance offer compared to banks?
Credit unions like Long Island 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 Long Island Alliance directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.