Federal credit union · Hauppauge, New York · NCUA charter #3633
People's Alliance
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $319.0M
- Total assets
- 32,483
- Members
- 10.9%
- Net-worth ratio
People's Alliance scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $319.0M; members 32,483; net-worth ratio 10.87%; health rank #1,297 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,297 of 4,374 health · 2025Q4People's Alliance · health 89/100 · $319.0M · 2025Q4
- BOOK 89/100
- CHARTER 10.9%
- NCUSIF 0.78%
- CAMELS 0.40%
- HEALTH $319.0M
- NW 32,483
- DELQ #1,297/4,374
- ROA SYNERGY
- ASSETS 3633
Call Report peers
People's Alliance in the assets neighbourhood
People's Alliance's $319.0M assets sit next to SYNERGY ($319.5M) 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.
People's 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
89 Top 31% higher than 69% 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
People's Alliance - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #3633, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for People's Alliance
- Delinquency Rate leads the peer set - 0.78% here, 0.89% peer average (-0.12 pp).
- Loan-to-Share Ratio trails the peer set - 68.56% here, 72.20% peer average (-3.64 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
People's Alliance in New York
- In New York, health place is #71 of 272 on the same NCUA-ratio sort used nationally.
- By total assets, People's Alliance is #46 of 272 in New York.
- Member book place in New York: #36 of 272.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for People's Alliance
People's Alliance: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $319.0M (2025Q4) to $326.7M (2026Q1).
- Net-worth ratio shifted -0.15 pp (11.02% → 10.87%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.87% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.2 pts
- Return on Assets 13.5 pts
- Member Growth 8.3 pts
- Loan-to-Share Ratio 15.0 pts
People's Alliance health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.87% | -1.24 pp |
| Delinquency Rate | 0.78% | -0.12 pp |
| Return on Assets | 0.40% | -0.23 pp |
| Member Growth | -0.40% | - |
| Loan-to-Share Ratio | 68.56% | -3.64 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).
People's Alliance quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $326.7M | - |
| 2025Q4 | $319.0M | 32,483 |
| 2024Q4 | $314.6M | 32,613 |
| 2023Q4 | $321.4M | 34,686 |
Credit Union Details
- Charter Number
- 3633
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- Hauppauge
- Data Quarter
- 2025Q4
Branch Locations (8)
People's Alliance operates 8 offices across 7 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Hauppauge, NY |
| Brooklyn -Hanson Place | Brooklyn, NY |
| Allen/Jamaica | Jamaica, NY |
| Jamaica-JFK | Jamaica, NY |
| Miami | Miami, FL |
| Ronkonkoma | Ronkonkoma, NY |
| Westbury | Westbury, NY |
| Yonkers | Yonkers, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Other-state peers near People's Alliance
Cross-state asset and health neighbours for People's Alliance - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($319.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- People's Alliance ranks #1,297 of 4,374 nationally on financial health and #71 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- DANNEMORA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with DANNEMORA
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York 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 People's Alliance financially healthy?
People's Alliance has a financial health score of 89/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,297 of 4,374; by total assets it ranks #1,005 of 4,374 nationally (same basis as /rankings/largest); and #46 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.87% and delinquency rate of 0.78%.
How does People's Alliance compare to other credit unions?
People's Alliance scores 89/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M 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 People's Alliance?
People's 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 People's Alliance directly for the exact boundaries and application steps.
Is my money safe at People's Alliance?
Federal credit unions like People's 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. People's Alliance's net worth ratio of 10.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does People's Alliance offer compared to banks?
Credit unions like People's 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 People's 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.