2025 Annual Report Highlights

Listening. Evolving. Delivering.

Building the foundation for the next 60 years.

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Download the 2025 Annual Report

Year in Review

View all 2025 highlights

191,963

Members

27,711

Accounts Opened

5

Workplace Awards

Statement of Financial Condition

View all financial details

Assets

Member Savings

Loans to Members

Assets

Breakdown of total assets by category
Category Amount Share of total Notes
Loans $2,957,890,312 88.0% Loans to members, net of allowance for loan losses
Cash $221,051,657 6.6% Cash and cash equivalents
Investments $31,260,022 0.9% FHLB stock: $24,726,000 & CLF stock: $6,534,022
Property & Equipment $2,947,632 0.1% Net
Other $118,424,140 3.5% Prepaid and other assets
Total Assets $3,331,573,763 100%

Member Savings

Breakdown of member savings by account type
Category Amount Share of total Notes
Certificates $1,101,921,689 43.5% Member share certificates
Shares $844,313,545 33.3% Share drafts
Checking $231,573,971 9.1%
Money Market $18,861,214 0.7%
Retirement $80,138,142 3.2%
Non-member deposits $244,336,000 9.6% Certificate deposits from non-members
Total Member Savings $2,521,144,561 100%

Loans to Members

Breakdown of member loans by type
Category Amount Share of total Notes
Real estate $1,927,159,142 54.3% First mortgages: $1,088,685,421 & other real estate: $824,569,894
Aircraft $357,546,198 10.1%
Boat and Vehicle $419,764,207 11.8%
Credit Cards $28,727,880 0.8%
Other $812,469,237 22.9% Includes $3,429,391 of commercial real estate
Total Loans $3,545,666,664 100%

And It Shows.

  • Great Place to Work certified, April 2025–2026, USA

    Great Place to Work®

  • Top Workplaces 2025 — Employee Appreciation award by Nectar

    Top Workplaces 2025
    Employee Appreciation

  • Top Workplaces 2025 — Financial Services Industry award

    Top Workplaces 2025
    Financial Services Industry

  • Top Workplaces 2025 — Professional Development award

    Top Workplaces 2025
    Professional Development

  • Top Workplaces 2025 — Culture Excellence award

    Top Workplaces 2025
    Fall Culture Excellence

  • Top Workplaces 2025 — Employee Well-Being award

    Top Workplaces 2025
    Employee Well-Being

Read more about USALLIANCE culture

Our Mission, Vision, & Values

In 2025, we unveiled our renewed Mission, Vision, and Values. These statements define who we are, what we believe in, and the purpose that guides our work each day. Our mission expresses our purpose, and our vision looks ahead and inspires us to grow, serve, and make a meaningful impact in the years to come.

Mission, Vision, Values wheel. Shows our four core values of Trustworthiness, Collaboration, Making a Difference, and Achievement.

The Process

These values were shaped through a collaborative process that included member feedback, market insights, industry review, and focus groups with 30+ employees and then they were refined through multiple rounds of brainstorming, testing, and an all-day workshop.

The Result

The final Mission, Vision, and Core Values were approved by the Board and rolled out across the organization, launching a shared commitment to putting them into action.

Learn more about our Mission, Vision, and Values

USALLIANCE in the News

  • USAlliance Federal Credit Union Wins 2025 Top Workplaces Industry Award, A National Recognition

    Read more

  • USALLIANCE Financial unveils newly renovated Walmart of Napanoch, NY Branch

    Read more

  • USALLIANCE Financial earns 2025 Top Workplaces Culture Excellence awards

    Read more

  • USALLIANCE Financial selected to receive Designation of Savings Excellence Award by National Savings Program Annual Campaign

    Read more

  • USALLIANCE Financial Expands Leadership Team with Future-Focused Hires

    Read more

  • USALLIANCE Financial celebrates strong growth and Member-focused innovations in 2025

    Read more

  • Best Student Checking Accounts of 2025

    Read more

  • Want more of USALLIANCE in the news?

    Read all press releases

Moving Forward

Building a great workplace and delivering a great member experience are two sides of the same coin. This year, we expanded our use of innovative technologies, including new AI platforms that streamline operations and support more personalized experiences.

A woman smiles while using her phone, with a screen of alli chatbot helping her.

Yellow.ai

In December, we partnered with Yellow.ai to launch a new member-facing chatbot, with voice functionality on the horizon. The tool helps members get answers to common questions faster and reduces wait times across our Contact Center.

Verapath & Copilot

We also expanded our technology capabilities with the launch of Verapath, our in-house AI system designed to enhance efficiency while preserving robust member security. As technology evolves, so does our commitment to using it thoughtfully, always with our members and our team at the center of every decision.

Read more about our enhancements

Checking Enhancements

This year, we introduced two significant enhancements to the MyLife Checking experience. Guided by member feedback and a focus on addressing real-world pain points, these updates reinforce our commitment to enhancing our products in ways that better serve our members and empower their financial well-being.

In 2025, we introduced:

  • Increased ATM fee rebates
  • Enhanced overdraft protection
View all enhancements coming out in 2026
A woman scans her mobile USALLIANCE debit card to get on a city bus.
A USALLIANCE table set up outside the newly renovated branch.

Walmart of Napanoch Renovation

In November, we unveiled our newly renovated Walmart of Napanoch Branch, introducing a modernized space built to elevate the banking experience for our members.

Investing in our physical branches alongside our digital tools reflects our commitment to serving members on their terms, whether they choose to connect in person, over the phone, or online.

Read all about our renovation

Social media highlights

A collage of photos from the grand reopening of the USALLIANCE Financial Walmart of Napanoch branch, showing team members, a ribbon-cutting ceremony with the Ulster County Chamber of Commerce, and the renovated interior
Last week, we celebrated the grand reopening of our newly renovated Walmart of Napanoch Branch! 🎉 Thank you to the Ulster County Chamber of Commerce and all who celebrated with us. You made the day so special! 💙 Our space now offers enhanced privacy, a more welcoming layout, and new conveniences designed to elevate your banking experience. Stop by and see what's new! We can't wait to serve you in our upgraded branch. 😊
Exterior view of a USALLIANCE Financial branch with the credit union's logo and signage prominently displayed
USALLIANCE Financial celebrates strong growth and Member-focused innovations in 2025.
Your USALLIANCE Wrapped 2025 — a bold blue graphic with large '25' numerals celebrating the credit union's top milestones and member moments from the year
What a year! 💙 2025 brought new milestones, exciting growth, and so many reasons to celebrate. Click the link in bio to check out our favorite moments from the year!
Top Workplaces 2025 award post featuring a gold ribbon badge and the tagline 'Don't mind us, we're just happy to be here.' with the USALLIANCE Financial logo
We're honored to be recognized as a 2025 Top Workplace for Culture Excellence in Employee Appreciation, Professional Development, and Well-Being! Thank you to our incredible team for helping us build a workplace that's full of collaboration, creativity, and care. 🎉
Nine round decorated sugar cookies each printed with the USALLIANCE Financial logo, made by Sammy Sweets for their first corporate order
REPOST Sammy Sweets:
Couldn't be more grateful and proud of my first corporate order. Couldn't be happier with where my cookie journey has brought me 🍪 Usalliance Financial
National Self-Employed Day social post featuring a smiling woman working on a laptop, with bold text overlay reading 'National Self-Employed Day'
It's National Self-Employed Day! Did you know that 16 million Americans are self-employed? Today, we're celebrating all of you who are making your own path!