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
Call Report peers
USALLIANCE in the assets neighbourhood
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USALLIANCE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); USALLIANCE sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in New York, SPENCERPORT (#155) ties at 80/100; one place down, Cornerstone Community (#157) ties at 80/100.
Quarter path for USALLIANCE
USALLIANCE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.1% from $3.33B (2025Q4) to $3.37B (2026Q1).
- Net-worth ratio shifted +0.05 pp (8.25% → 8.30%).
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
USALLIANCE gives up 20 points in total. Loan-to-Share Ratio costs the most, 11.5 of its 15; Return on Assets loses the least, 1.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is USALLIANCE financially healthy?
On its 2025Q4 NCUA 5300 filing, USALLIANCE scores 80/100 (Excellent), with a 8.30% net worth ratio and 0.73% of loans delinquent. It ranks #2,796 of 4,374 nationally on health and #156 of 272 in New York.
How does USALLIANCE compare to other credit unions?
USALLIANCE scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (118.59% vs 83.90%). Its widest shortfall is net worth ratio (8.30% vs 11.18%).
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?
USALLIANCE is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.