TellerScore

Usalliance Federal Credit Union (NCUA charter #17587) is based in Rye, New York. Its Q2 2026 call report shows $3.4B in total assets and $2.6B in member shares and deposits and 2 offices across 2 states.

Based on its Q2 2026 filing, Usalliance Federal Credit Union scores 53/100, which we describe as below average. That is higher than only 10% of 454 credit unions with $1 billion – $10 billion. Among 268 credit unions headquartered in New York, it ranks 232nd. Its strongest component is problem-loan coverage (80/100; 10.1%), and its lowest is capital cushion (33/100; 8.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion33/100
Net worth ratio: 8.32%
Loan quality72/100
Loans 60+ days delinquent ÷ total loans: 0.84%
Earnings47/100
Return on assets (annualized): 0.67%
Funding & liquidity50/100
Loans ÷ shares: 116.0% · 7.2% uninsured
Problem-loan coverage80/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.14%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (53 → 53).

TellerScore
525455Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202455
Q3 202454
Q4 202452
Q1 202553
Q2 202553
Q3 202555
Q4 202554
Q1 202654
Q2 202653
Net worth ratio
7.00%7.71%8.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20248.33%
Q3 20248.25%
Q4 20248.02%
Q1 20258.12%
Q2 20257.92%
Q3 20258.43%
Q4 20258.25%
Q1 20268.30%
Q2 20268.32%
Delinquent loans (60+ days)
0.61%0.72%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.61%
Q3 20240.62%
Q4 20240.68%
Q1 20250.67%
Q2 20250.62%
Q3 20250.69%
Q4 20250.73%
Q1 20260.72%
Q2 20260.84%
Return on assets
0.45%0.56%0.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.63%
Q3 20240.47%
Q4 20240.45%
Q1 20250.53%
Q2 20250.56%
Q3 20250.65%
Q4 20250.62%
Q1 20260.62%
Q2 20260.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$3.4B8.32%0.84%0.67%116.0%
Q1 202654$3.4B8.30%0.72%0.62%117.2%
Q4 202554$3.3B8.25%0.73%0.62%118.6%
Q3 202555$3.3B8.43%0.69%0.65%118.5%
Q2 202553$3.2B7.92%0.62%0.56%119.1%
Q1 202553$3.2B8.12%0.67%0.53%117.6%
Q4 202452$3.2B8.02%0.68%0.45%116.6%
Q3 202454$3.3B8.25%0.62%0.47%115.0%
Q2 202455$3.2B8.33%0.61%0.63%119.3%

454 peers · $1 billion – $10 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 ratio8.32%
5th
Problem loans0.84%
37th
Net charge-offs0.32%
74th
Return on assets0.67%
34th
Loans to deposits116.0%
1st
Uninsured deposits7.2%
70th
Loan-loss reserves0.00%
50th
Texas ratio10.1%
15th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Americu Credit UnionCredit union Rome, NY48 out of 100, Below average$3.0B9.6%1.89%vs
Corning Federal Credit UnionCredit union Corning, NY68 out of 100, Moderate$2.8B10.8%0.45%vs
Polish & Slavic Federal Credit UnionCredit union Brooklyn, NY73 out of 100, Strong$2.7B11.3%0.31%vs
Empower Federal Credit UnionCredit union Syracuse, NY59 out of 100, Moderate$4.3B9.7%1.05%vs
Jovia Financial Federal Credit UnionCredit union Westbury, NY57 out of 100, Moderate$4.6B9.8%1.28%vs
Suffolk Federal Credit UnionCredit union Medford, NY61 out of 100, Moderate$2.1B8.5%0.52%vs

Deposit insurance

Is my money safe at Usalliance Federal Credit Union?

Yes. Usalliance Federal Credit Union is a federally insured credit union (NCUA charter #17587). 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 7.2% of shares and deposits ($185.4M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 8.32%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Usalliance Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Usalliance Federal Credit Union reported 2,460 home-loan applications under HMDA (LEI 254900NZOY3XB2DNSZ34): 1,799 originated ($564,795,000 total), 352 denied, and 283 withdrawn or closed by the applicant. Its denial rate on decided applications was 16.2%, 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
Usalliance Federal Credit Union
Type
Federal credit union
NCUA charter #
17587
RSSD ID
451189
Primary regulator
NCUA
Established
1966
Headquarters
411 Theodore Fremd Ave, Suite 350, Rye, NY 10580
Employees
269

Quick answers

Usalliance Federal Credit Union: common questions

Is Usalliance Federal Credit Union NCUA insured?

Yes. Usalliance Federal Credit Union is a federally insured credit union (NCUA charter #17587). 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 Usalliance Federal Credit Union's TellerScore?

53 out of 100 (Below average), 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 Usalliance Federal Credit Union have?

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

Nearby

Highest-scoring banks and credit unions with branches near Rye

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY93 out of 100, Very strong$1.5M23.8%0.18%vs
B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY93 out of 100, Very strong$1.0M34.2%0.00%vs
Paul Quinn Federal Credit UnionCredit union Jamaica, NY93 out of 100, Very strong$358K26.1%0.00%vs
Gha Federal Credit UnionCredit union Greenwich, CT91 out of 100, Very strong$29.7M17.5%0.56%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs