TellerScore

Alcose Credit Union is a federally insured state-chartered credit union headquartered in White Oak, Pennsylvania, in business for about 76 years. At the end of Q2 2026 it reported $16.1M in total assets and $13.7M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Alcose Credit Union scores 89/100, which we describe as very strong. That is higher than 87% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 43rd. Its strongest component is capital cushion (100/100; 16.42%), and its lowest is earnings (47/100; 0.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 16.42%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.03%
Earnings47/100
Return on assets (annualized): 0.66%
Funding & liquidity100/100
Loans ÷ shares: 32.8% · 0.9% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.06%

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 9 points (80 → 89), mostly because the loan quality component improved by 21 points.

TellerScore
748392Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202490
Q3 202492
Q4 202490
Q1 202574
Q2 202580
Q3 202582
Q4 202583
Q1 202676
Q2 202689
Net worth ratio
7.00%11.71%16.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.46%
Q3 202415.11%
Q4 202415.54%
Q1 202515.40%
Q2 202515.78%
Q3 202516.15%
Q4 202516.21%
Q1 202616.10%
Q2 202616.42%
Delinquent loans (60+ days)
0.01%0.38%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.01%
Q3 20240.04%
Q4 20240.23%
Q1 20250.75%
Q2 20250.65%
Q3 20250.60%
Q4 20250.59%
Q1 20260.60%
Q2 20260.03%
Return on assets
-0.41%0.30%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.97%
Q3 20241.00%
Q4 20240.94%
Q1 2025-0.41%
Q2 20250.23%
Q3 20250.41%
Q4 20250.52%
Q1 2026-0.33%
Q2 20260.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$16.1M16.42%0.03%0.66%32.8%
Q1 202676$16.0M16.10%0.60%-0.33%32.9%
Q4 202583$16.0M16.21%0.59%0.52%33.1%
Q3 202582$15.9M16.15%0.60%0.41%33.3%
Q2 202580$16.1M15.78%0.65%0.23%32.7%
Q1 202574$16.3M15.40%0.75%-0.41%31.9%
Q4 202490$16.2M15.54%0.23%0.94%34.5%
Q3 202492$16.6M15.11%0.04%1.00%33.9%
Q2 202490$17.1M14.46%0.01%0.97%33.9%

2,479 peers · Under $100 million in assets

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 ratio16.42%
62nd
Problem loans0.03%
85th
Net charge-offs0.90%
16th
Return on assets0.66%
51st
Loans to deposits32.8%
86th
Uninsured deposits0.9%
55th
Loan-loss reserves0.00%
37th
Texas ratio0.1%
85th

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InstitutionScoreAssetsCapitalProblem loansCompare
Hill District Federal Credit UnionCredit union Pittsburgh, PA58 out of 100, Moderate$16.5M25.5%26.24%vs
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Blackhawk Federal Credit UnionCredit union Beaver Falls, PA77 out of 100, Strong$15.1M16.8%1.45%vs
Usne Penitentiary Employees Federal Credit UnionCredit union Lewisburg, PA72 out of 100, Strong$14.9M11.4%0.40%vs

Deposit insurance

Is my money safe at Alcose Credit Union?

Yes. Alcose Credit Union is a federally insured credit union (NCUA charter #61926). 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 0.9% of shares and deposits ($124K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 16.42%, well 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

Alcose Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Alcose Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
61926
RSSD ID
730491
Primary regulator
State + NCUA
Established
1950
Headquarters
3001 Jacks Run Rd Ste 101, White Oak, PA 15131
Employees
5

Quick answers

Alcose Credit Union: common questions

Is Alcose Credit Union NCUA insured?

Yes. Alcose Credit Union is a federally insured credit union (NCUA charter #61926). 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 Alcose Credit Union's TellerScore?

89 out of 100 (Very strong), 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 Alcose Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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I.B.E.W. - Local No. 5 Federal Credit UnionCredit union Pittsburgh, PA98 out of 100, Very strong$15.4M15.4%0.07%vs
VA Pittsburgh Employees Federal Credit UnionCredit union Pittsburgh, PA98 out of 100, Very strong$26.8M17.6%0.15%vs
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Mt Pleasant Area School Emp Federal Credit UnionCredit union Mount Pleasant, PA97 out of 100, Very strong$2.3M25.4%0.00%vs
Greater Pittsburgh Federal Credit UnionCredit union Pittsburgh, PA93 out of 100, Very strong$76.7M15.3%0.40%vs