Federal credit union · Rye, New York · NCUA charter #17587
USALLIANCE
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $3.33B
- Total assets
- 192,707
- Members
- 8.3%
- Net-worth ratio
USALLIANCE scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.33B; members 192,707; net-worth ratio 8.30%; health rank #2,796 of 4,374; healthier than 36th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,796 of 4,374 health · 2025Q4USALLIANCE · health 80/100 · $3.33B · 2025Q4
- ASSETS 80/100
- MEM 8.3%
- RANK 0.73%
- PHOTO 0.43%
- BOOK $3.33B
- CHARTER 192,707
- NCUSIF #2,796/4,374
- CAMELS Whatcom Educational
- HEALTH 17587
Call Report peers
USALLIANCE in the assets neighbourhood
USALLIANCE's $3.33B assets sit next to Whatcom Educational ($3.33B) 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.
USALLIANCE 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
80 36th percentile higher than 36% 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
USALLIANCE - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #17587 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where USALLIANCE diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 118.59% vs peer 83.90% (+34.69 pp).
- Widest shortfall vs peers is Net Worth Ratio: -2.88 pp (8.30% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
USALLIANCE in New York
- Health composite ranks #156 of 272 among scored New York credit unions.
- Assets rank #11 of 272 inside New York ($3.33B reported).
- Membership ranks #12 of 272 among New York CUs with a reported count (192,707 members).
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 USALLIANCE
USALLIANCE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.1% from $3.33B (2025Q4) to $3.37B (2026Q1).
- Net-worth ratio shifted +0.05 pp (8.25% → 8.30%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.30% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 25.8 pts
- Delinquency Rate 22.7 pts
- Return on Assets 14.0 pts
- Member Growth 13.9 pts
- Loan-to-Share Ratio 3.6 pts
USALLIANCE vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.30% | -2.88 pp |
| Delinquency Rate | 0.73% | -0.14 pp |
| Return on Assets | 0.43% | -0.08 pp |
| Member Growth | 4.06% | - |
| Loan-to-Share Ratio | 118.59% | +34.69 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
USALLIANCE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.37B | - |
| 2025Q4 | $3.33B | 192,707 |
| 2024Q4 | $3.20B | 185,195 |
| 2023Q4 | $3.09B | 178,070 |
Credit Union Details
- Charter Number
- 17587
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- New York
- City
- Rye
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, USALLIANCE runs 8 offices in 8 different cities across 3 states.
| Office | City |
|---|---|
| USAlliance Federal Credit Union (Main Office) | Rye, NY |
| Bethex | Bronx, NY |
| Chelmsford | Chelmsford, MA |
| Medford | Medford, MA |
| Ellenville | Napanoch, NY |
| Port Chester | Port Chester, NY |
| Pepsi Purchase | Purchase, NY |
| West Haven Atwood Place | West Haven, CT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Cross-state Call Report peers for USALLIANCE
Cross-state asset and health neighbours for USALLIANCE - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($3.33B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- USALLIANCE ranks #2,796 of 4,374 nationally on financial health and #156 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- AMERICU is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with AMERICU
- 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 USALLIANCE financially healthy?
A 8.30% net worth ratio and a 0.73% delinquency rate feed into USALLIANCE's financial health score of 80/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,796 of 4,374; by total assets it ranks #151 of 4,374 nationally (same basis as /rankings/largest); and #11 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does USALLIANCE compare to other credit unions?
Five weighted metrics from NCUA filings produce USALLIANCE's 80/100 score on PlainCU's health composite, compared to a peer group average for Over $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 USALLIANCE?
USALLIANCE 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 USALLIANCE directly for the exact boundaries and application steps.
Is my money safe at USALLIANCE?
Federal credit unions like USALLIANCE 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. USALLIANCE's net worth ratio of 8.30% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does USALLIANCE offer compared to banks?
Credit unions like USALLIANCE 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 USALLIANCE 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.