TellerScore

Headquartered in Hauppauge, New York, People'S Alliance Federal Credit Union is a federal credit union with $322.2M in total assets and $282.5M in member shares and deposits as of Q2 2026. It operates 8 offices across 2 states. Its charter dates back to 1940.

People'S Alliance Federal Credit Union has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 41% of its 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 157th. Problem-loan coverage contributes the most (93/100, 3.7%); earnings contributes the least (38/100, 0.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion61/100
Net worth ratio: 11.13%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.58%
Earnings38/100
Return on assets (annualized): 0.45%
Funding & liquidity80/100
Loans ÷ shares: 79.9% · 7.6% uninsured
Problem-loan coverage93/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.66%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (64 → 67), mostly because the funding & liquidity component weakened by 19 points.

TellerScore
636668Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202466
Q4 202467
Q1 202563
Q2 202564
Q3 202565
Q4 202567
Q1 202668
Q2 202667
Net worth ratio
7.00%9.07%11.13%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.58%
Q3 202410.71%
Q4 202410.83%
Q1 202510.66%
Q2 202510.69%
Q3 202510.81%
Q4 202511.02%
Q1 202610.87%
Q2 202611.13%
Delinquent loans (60+ days)
0.58%0.80%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.81%
Q3 20240.74%
Q4 20240.81%
Q1 20251.02%
Q2 20250.94%
Q3 20250.74%
Q4 20250.78%
Q1 20260.61%
Q2 20260.58%
Return on assets
0.14%0.29%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.39%
Q3 20240.31%
Q4 20240.40%
Q1 20250.14%
Q2 20250.20%
Q3 20250.21%
Q4 20250.40%
Q1 20260.44%
Q2 20260.45%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202667$322.2M11.13%0.58%0.45%79.9%
Q1 202668$326.7M10.87%0.61%0.44%68.5%
Q4 202567$319.0M11.02%0.78%0.40%68.6%
Q3 202565$319.8M10.81%0.74%0.21%67.6%
Q2 202564$321.7M10.69%0.94%0.20%61.5%
Q1 202563$320.5M10.66%1.02%0.14%60.9%
Q4 202467$314.6M10.83%0.81%0.40%63.6%
Q3 202466$315.0M10.71%0.74%0.31%64.5%
Q2 202466$317.8M10.58%0.81%0.39%59.4%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.13%
46th
Problem loans0.58%
57th
Net charge-offs0.66%
22nd
Return on assets0.45%
27th
Loans to deposits79.9%
40th
Uninsured deposits7.6%
33rd
Loan-loss reserves0.00%
50th
Texas ratio3.7%
54th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Secny Federal Credit UnionCredit union Syracuse, NY56 out of 100, Moderate$322.7M7.6%0.93%vs
Dannemora Federal Credit UnionCredit union Plattsburgh, NY85 out of 100, Very strong$320.3M14.6%0.51%vs
Access Federal Credit UnionCredit union Clinton, NY70 out of 100, Strong$320.1M9.4%0.89%vs
Actors Federal Credit UnionCredit union New York, NY40 out of 100, Below average$331.3M9.5%2.64%vs
Nassau Financial Federal Credit UnionCredit union East Meadow, NY50 out of 100, Below average$334.4M6.2%0.41%vs
Family First of NY Federal Credit UnionCredit union Rochester, NY66 out of 100, Moderate$345.3M12.0%0.59%vs

Deposit insurance

Is my money safe at People'S Alliance Federal Credit Union?

Yes. People'S Alliance Federal Credit Union is a federally insured credit union (NCUA charter #3633). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.6% of shares and deposits ($21.4M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.13%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

8 locations

Branches

People'S Alliance Federal Credit Union lists 8 offices in 7 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, People'S Alliance Federal Credit Union reported 37 home-loan applications under HMDA (LEI 549300R0CN5YKL3VTP86): 13 originated ($3,635,000 total), 17 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 56.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
People'S Alliance Federal Credit Union
Type
Federal credit union
NCUA charter #
3633
RSSD ID
382078
Primary regulator
NCUA
Established
1940
Headquarters
125 Wireless Blvd, Hauppauge, NY 11788
Employees
90

Quick answers

People'S Alliance Federal Credit Union: common questions

Is People'S Alliance Federal Credit Union NCUA insured?

Yes. People'S Alliance Federal Credit Union is a federally insured credit union (NCUA charter #3633). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is People'S Alliance Federal Credit Union's TellerScore?

67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does People'S Alliance Federal Credit Union have?

8 offices as of the latest NCUA data, in 2 states.

Nearby

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