USALLIANCE
Charter #17587 · Rye, NY · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 194,175 ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.30% sits at the 8th percentile of structural peers — worth a closer look.
- Net interest margin of 2.38% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 3.92% sits at the 98th percentile of structural peers — worth a closer look.
- Efficiency ratio of 69.09% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | USALLIANCE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $3.37B | 69th pct | 72th pct |
| Members | 194,175 | 72th pct | 85th pct |
| Net worth ratio | 8.30% | 5th pct | 8th pct |
| Return on average assets | 0.62% | 41th pct | 59th pct |
| Net interest margin | 2.38% | 6th pct | 8th pct |
| Cost of funds | 3.92% | 100th pct | 98th pct |
| Loan-to-share | 117.19% | 100th pct | 98th pct |
| Delinquency 60+ days | 0.72% | 61th pct | 69th pct |
| Net charge-off ratio | 0.36% | 29th pct | 54th pct |
| Loan growth YoY | 3.14% | 67th pct | 74th pct |
| Share growth YoY | 4.30% | 56th pct | 64th pct |
| Efficiency ratio | 69.09% | 38th pct | 20th pct |
structural peer set hash: 9c48a8b9168232d99342335c2af3f8e1… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.