# GREATER ALLIANCE
Paramus, NJ · NCUA charter 2182 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/greater-alliance-2182

Who the members are: federal charter, community charter, organized 1937, low-income designated. 21,559 members of 1,400,000 potential (1.5% of the field); checking penetration 37% (share draft accounts per 100 members); loans per 100 members 27.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $251.3M |
| Members | 21,559 (-5.7% YoY) |
| Full-time staff | 54 |
| Net worth | $21.6M |
| Net worth ratio | 8.6% (p9 of band) |
| ROA (annualized) | -0.06% (p6 of band) |
| Total delinquency | 0.86% (p71 of band) |
| Net charge-offs (annualized) | 0.74% (p80 of band) |
| Loans / shares | 79% (p61 of band) |
| Cash / assets | 11.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.90% (p74 of band) |
| Operating expense / assets | 4.63% (p87 of band) |
| Vehicles % of loans | 5% (p3 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.50% (p46 of band) |
| Vehicle NCO | 0.82% (p61 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 74% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 13% |
| Commercial % of net worth | 49% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 26% |
| Average share balance | $6,483 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $159,480 |
| Loans outstanding per 100 members | 27% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $30,305 |
| Loans granted, annualized | $31.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $159,480 outstanding purchased (0.7% of net worth), $119,917 sold and retained. Sold in 3 and bought in 3 of the last 8 quarters. Shares 0.3% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, delinquency 2x band |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 4 | losing money |  |
| 2017-06 | 2 |  | net worth falling, losing money |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | thin capital |
| 2018-03 | 2 | charge-offs p90 |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | charge-offs p90 |
| 2018-12 | 2 | charge-offs p90 |  |
| 2019-03 | 4 | losing money, expense trap |  |
| 2019-06 | 4 | net worth falling | expense trap |
| 2019-09 | 3 |  | losing money |
| 2019-12 | 3 |  |  |
| 2020-03 | 5 | thin capital, losing money, expense trap | charge-offs p90 |
| 2020-06 | 7 | margin squeeze, charge-offs p90 |  |
| 2020-09 | 8 | loan book shrinking |  |
| 2020-12 | 7 | delinquency rising | expense trap, charge-offs p90 |
| 2021-03 | 4 |  | losing money, loan book shrinking, delinquency rising |
| 2021-06 | 4 | members leaving | margin squeeze |
| 2021-09 | 3 |  | net worth falling |
| 2021-12 | 3 |  |  |
| 2022-03 | 4 | charge-offs p90 |  |
| 2022-06 | 4 | expense trap | members leaving |
| 2022-09 | 4 |  |  |
| 2022-12 | 3 |  | thin capital |
| 2023-03 | 2 |  | expense trap |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 4 | net worth falling, delinquency rising |  |
| 2024-03 | 7 | thin capital, losing money, margin squeeze |  |
| 2024-06 | 7 |  |  |
| 2024-09 | 4 |  | net worth falling, delinquency rising, margin squeeze |
| 2024-12 | 4 |  |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 5 | net worth falling, members leaving | charge-offs p90 |
| 2025-09 | 4 |  | net worth falling |
| 2025-12 | 2 |  | delinquency 2x band, losing money |
| 2026-03 | 3 | losing money |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-18 [Identifi Announces 16 New Bank and Credit Union Customers in First Half of 2026 - Morningstar](https://news.google.com/rss/articles/CBMi2AFBVV95cUxQZVpnMllWNTVkdjlYODhDS1Ixcldaak5MeXNsSi1BZ2MtSUlzMDYxMDVQX2lKOS1mdl9ZVGFSZ09QWUdFS1RlNUh3czJtbHl6TTEySTJ0eWRqSmRwRl9lc3VuR1B5bjRWeHdrajZ6cEJWbk43RUpiNUg5dlJrb3hrajd0cEpBbnUxSUtvZjY4bFJUbVdtVGtrQkpfaGRvdmtEOUdSbXUwZDlNdXBlaDVlejY4UE5Ud1NSY0Y1SEJjdHY5MUZyeU1ZU3VUbEtGdUhkNk9OOGZ0Z0s?oc=5) · Morningstar
- 2016-07-14 [Fair Lawn student receives scholarship from credit union - Bergen Record](https://news.google.com/rss/articles/CBMizgFBVV95cUxPMkJNaURTdnYxb2w1eXp1X0VaMnRieVhnM1lTQXcwYTVRODJEYXJsa0ZYVFhlV2RweXVXbC0tUHc2ZGxQbFhOZ0RXY1gwenZOYnE0STkwZGRpSEdJWkRmOUJaVGp3ajFsdUJDVDA3Nnl0aGJYLU1WcHFDMFdsV0dwS1JIMkpxMEUwNTdDY2VRM3NLb28ya1IxbjNjLXZEQ3N5N25qQU4yUWw1YXdadm9rWjBla2w2OWZDVGtYbFBzX2EtMkhvZUs3M0pydlpvZw?oc=5) · Bergen Record
- 2015-12-08 [Affinity raises $15G at casino night, expands mortgage program - Central New Jersey News](https://news.google.com/rss/articles/CBMitgFBVV95cUxQaGNfWVdPREs4T2o3S2g5M0d3MXFmbDlZWXN5Q2IxSU9YV2ZhN1FZMk5SZWxnd2w3MUZmeXdKaTI0OS1OclRpUHp0bG5MSlFSNjBOemRuLUJpSE54YVY2elF6SnhxcVNNbHpzQXdxbHA2d3VVQUFMZExDXzhwS2xKdkpQOHRuRFJkdlZhVE1SYjNxeUt2Wi05cHhfV3FzaTVubXdRUllnSnJTZmlmbWZwVUg0N3FkZw?oc=5) · Central New Jersey News
- 2021-12-07 [Developer Looks to Advance Plan for 110-Unit Downtown Hackensack Project - Jersey Digs](https://news.google.com/rss/articles/CBMigAFBVV95cUxOU0JBVzFfZ3pMbTBSMzdUMUJNUllSSElLRm9lT2Q3c2VvVFFZQzUzcDhoejQtTDhqR1ZYXzNRMkh5VEZMX0FxYzR6MFZIdTNka0NuQUFBNmpoZU1oT2dUbmhfN29faXlHY2syNmRJc1BkQlpfV3NEZjJvajRwc2dUdw?oc=5) · Jersey Digs
- 2026-02-21 [Paterson Issues Snow Storm Advisory, Activates Emergency Operations Ahead of Blizzard - TAPinto](https://news.google.com/rss/articles/CBMi-AFBVV95cUxPVWJSQlJtTGs2VjljSmJoeXhBQWpiM0RUQ3pTSVVwX0RPanpFd0U0N3ktTno3MXJPeVI1WXdiRXlTZEhOXzcxdGVpU3hRREFmckFOSkdiMGIyNmFpR3JnaXU4WXJTR0FNUm9rMkJLNUpGanhyZUdIRjFwMldzRm05eC1odkh1bVZmUTd0Vkh6THhJUkdXdEVaUzc3YzZtSU9QOFJiMF9zeTYtTWpEbkNhRzJoNDU3NHBMMXFmaFJXZEFlcG9SV2xNNElKSW9Wbm5mYWZ0c2JVdkNnNGlueG5DQU1sWVV5dU9sSEY4SFdEcl9WV09GeEtLdw?oc=5) · TAPinto
- 2023-01-12 [Two parcels just sold on Main Street in Hackensack. What will go there next? - Bergen Record](https://news.google.com/rss/articles/CBMi4gFBVV95cUxQX2EzNmpWblNvQ1ItWkpnQ0ZjaU94cU1SS3lMTEo0UlZsR3ZQaTk1cmpLNjNHN1RXUXBaQTg1S0xmMUlYdXlOTzFNY0o3bGN2UFpLdEhHUTFZbUJmQzMzRXFaYW1ZY3FEa212bmNvMzFRU0xMOWRJQmE3bVk5MTlHdnFUZjFrclRySnZqNUVTZFFSeG9KUU1GWVh4X3FYUmtqdU91ZjdzNkdVNWlvV0dZWTZRdWtLRkJQejA2aDFyRzByN013UHNFUGMzTFZlSVg0VEFDdDhxTDRPX0RpakV5Qnp3?oc=5) · Bergen Record
- 2012-07-11 [Barbara Azarian-McCullough Obituary (2012) - Wyckoff, NJ - The Record/Herald News - legacy.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxNc0hCT0tKdUdEUHZ4SGlzMjF1RzBkT2wyZXBsM2ZqTXcyVkFjWl8zSDB3U1ZzZUw2ZDJ6NGNIMWZBWkRJenB1RWdodk1DazRVTE5IR3gyT00tVm5sRnBnd1U2dFlDZmhPMlN1VWw5SDEzTHV1aWx0bWpvRUQ4Tlk2LW9UcGZxUmxUUlZUOElaYl9MVEwyTWVKdmpneFJTWUpkUS1r?oc=5) · legacy.com
- 2025-08-20 [Paterson, NJCDC Formalize $2M Agreement for New Great Falls Recreation Center - TAPinto](https://news.google.com/rss/articles/CBMi6AFBVV95cUxOdWxiQTI1Z2ZyMFZGemlZUDgxYm1SdEo4SllxZ1FtUVotNEtmd3Y0VE1rOS1fdkp3NWhHLXBmVFlSMFl6TmZVek9QRW9OMU9TckxtZE9Gb1Azdml4bHNyQ04tN2s0Ti1uU2Y5Z3JUUWlsVzNfQ2ltcW5KY3pWeF9MaXFoZnBOS2dLTzktVEpjQV9Dc3BJSkYxN1pvYWRoN1E0YWJYdUtHemdqdWZFWjZuNUZ0YV95M0xPeTRoeHFjbF9rU1lBMmVzMFRFSWVmRHBRY05Na00zZ2J2TWd0VXA2Q0pzenJEcEZR?oc=5) · TAPinto

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2182 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/6.json (key "2182", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=2182
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide