Credit Union Safety Analysis
Is Long Island Alliance Federal Credit Union Safe? Hauppauge, New York
Based on its Q2 2026 NCUA 5300 call report, Long Island Alliance Federal Credit Union has a net worth ratio of 14.08%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.32%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Long Island Alliance Federal Credit Union's net worth ratio is 14.08%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.08%
- Delinquency ratio (60+ days) (Q2 2026): 0.32%
- Return on assets (Q2 2026): 0.88%
- Loan-to-share ratio (Q2 2026): 17.91%
Long Island Alliance Federal Credit Union (NCUA charter 2782, established 1938) reported $16.5M in assets and 2,025 members for Q2 2026 from Hauppauge, New York. It ranks 194 of 267 credit unions in New York by total assets. Total assets fell 0.3% from $16.6M on June 30, 2025. It has 1 more member than on June 30, 2025. Its net worth ratio was up 1.40 percentage points from 12.68% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $1.1M of $2.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.32% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 14.31% for Q1 2026; 12.68% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.52% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.33% for Q1 2026; 1.68% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 18.83% for Q1 2026; 20.20% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $1.1M
- 1- to 4-family residential and other consumer real estate loans: $649K
- Used vehicle loans: $491K
- New vehicle loans: $251K
- Other secured non-real estate loans and lines of credit: $21K
- Non-federally guaranteed student loans: $2K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $16.5M | 14.08% | 0.32% | 0.88% | 17.91% |
| March 31, 2026 | $16.0M | 14.31% | — | 1.33% | 18.83% |
| December 31, 2025 | $16.1M | 13.93% | — | 1.30% | 19.61% |
| September 30, 2025 | $15.7M | 13.88% | 0.66% | 2.07% | 20.70% |
| June 30, 2025 | $16.6M | 12.68% | 0.52% | 1.68% | 20.20% |
| March 31, 2025 | $16.6M | 12.25% | 0.01% | 1.77% | 20.02% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Long Island Alliance Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 2782) · FFIEC NIC profile (RSSD 825771)
Frequently asked questions
Is Long Island Alliance Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Long Island Alliance Federal Credit Union's net worth ratio is 14.08%, above the 7% NCUA threshold for well capitalized.
Is Long Island Alliance Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Long Island Alliance Federal Credit Union is a federally insured credit union (NCUA charter 2782): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Long Island Alliance Federal Credit Union's key safety ratios?
For Q2 2026, Long Island Alliance Federal Credit Union reports net worth 14.08%, delinquency 0.32%, ROA 0.88%, loan-to-share 17.91%.
What happens to my money if Long Island Alliance Federal Credit Union fails?
For Q2 2026, Long Island Alliance Federal Credit Union held $14.1M in shares and deposits for 2,025 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.