TellerScore

Allegacy Financial Federal Credit Union is a federal credit union headquartered in Winston Salem, North Carolina, in business for about 59 years. At the end of Q2 2026 it reported $2.6B in total assets and $2.2B in member shares and deposits, with 10 offices.

Allegacy Financial Federal Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than 62% of its 454 credit unions with $1 billion – $10 billion. Among 57 credit unions headquartered in North Carolina, it ranks 27th. Problem-loan coverage contributes the most (91/100, 4.6%); earnings contributes the least (64/100, 1.10%).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Net worth ratio: 11.44%
Loan quality78/100
Loans 60+ days delinquent ÷ total loans: 0.65%
Earnings64/100
Return on assets (annualized): 1.10%
Funding & liquidity67/100
Loans ÷ shares: 93.6% · 12.0% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.65%

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 4 points (67 → 71), mostly because the earnings component improved by 17 points.

TellerScore
626975Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202468
Q3 202468
Q4 202468
Q1 202567
Q2 202567
Q3 202564
Q4 202562
Q1 202675
Q2 202671
Net worth ratio
7.00%9.26%11.53%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202411.24%
Q3 202411.27%
Q4 202411.23%
Q1 202511.01%
Q2 202511.27%
Q3 202511.53%
Q4 202511.39%
Q1 202611.34%
Q2 202611.44%
Delinquent loans (60+ days)
0.48%0.80%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.48%
Q3 20240.55%
Q4 20240.61%
Q1 20250.52%
Q2 20250.65%
Q3 20250.98%
Q4 20251.13%
Q1 20260.52%
Q2 20260.65%
Return on assets
0.56%1.00%1.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.72%
Q3 20240.76%
Q4 20240.72%
Q1 20250.56%
Q2 20250.67%
Q3 20250.70%
Q4 20250.69%
Q1 20261.43%
Q2 20261.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$2.6B11.44%0.65%1.10%93.6%
Q1 202675$2.6B11.34%0.52%1.43%91.6%
Q4 202562$2.5B11.39%1.13%0.69%95.0%
Q3 202564$2.4B11.53%0.98%0.70%95.3%
Q2 202567$2.4B11.27%0.65%0.67%93.4%
Q1 202567$2.4B11.01%0.52%0.56%90.0%
Q4 202468$2.4B11.23%0.61%0.72%91.7%
Q3 202468$2.3B11.27%0.55%0.76%95.4%
Q2 202468$2.3B11.24%0.48%0.72%95.9%

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 ratio11.44%
61st
Problem loans0.65%
53rd
Net charge-offs0.22%
84th
Return on assets1.10%
72nd
Loans to deposits93.6%
32nd
Uninsured deposits12.0%
27th
Loan-loss reserves0.00%
50th
Texas ratio4.6%
52nd

Similar-size credit unions in North Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Self-Help Federal Credit UnionCredit union Durham, NC73 out of 100, Strong$2.4B25.2%1.01%vs
Self-Help Credit UnionCredit union Durham, NC64 out of 100, Moderate$2.2B24.5%1.97%vs
Civic Federal Credit UnionCredit union Raleigh, NC11 out of 100, Low$3.1B5.9%6.27%vs
Skyla Federal Credit UnionCredit union Charlotte, NC54 out of 100, Below average$1.7B9.6%1.32%vs
Marine Federal Credit UnionCredit union Jacksonville, NC57 out of 100, Moderate$1.1B10.4%1.36%vs
Latino Community Credit UnionCredit union Durham, NC64 out of 100, Moderate$1.0B24.2%1.81%vs

Deposit insurance

Is my money safe at Allegacy Financial Federal Credit Union?

Yes. Allegacy Financial Federal Credit Union is a federally insured credit union (NCUA charter #24438). 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 12.0% of shares and deposits ($265.0M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 11.44%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

10 locations

Branches

Allegacy Financial Federal Credit Union lists 10 offices in 6 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Allegacy Financial Federal Credit Union
Type
Federal credit union
NCUA charter #
24438
RSSD ID
228596
Primary regulator
NCUA
Established
1967
Headquarters
PO Box 26043, Winston Salem, NC 27114
Employees
432

Quick answers

Allegacy Financial Federal Credit Union: common questions

Is Allegacy Financial Federal Credit Union NCUA insured?

Yes. Allegacy Financial Federal Credit Union is a federally insured credit union (NCUA charter #24438). 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 Allegacy Financial Federal Credit Union's TellerScore?

71 out of 100 (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 Allegacy Financial Federal Credit Union have?

10 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Winston Salem

InstitutionScoreAssetsCapitalProblem loansCompare
Members Credit UnionCredit union Winston Salem, NC85 out of 100, Very strong$477.1M14.8%0.82%vs
Summit Credit UnionCredit union Greensboro, NC82 out of 100, Strong$368.8M15.4%0.71%vs
The Fidelity BankBank Fuquay Varina, NC78 out of 100, Strong$4.7B11.5%0.42%vs
Piedmont Federal Savings BankBank Winston Salem, NC78 out of 100, Strong$1.3B18.6%0.16%vs
American Pride BankBank Macon, GA77 out of 100, Strong$1.0B14.1%0.00%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs