TellerScore

Alloy Federal Credit Union is a federal credit union headquartered in Alloy, West Virginia, in business for about 56 years. At the end of Q2 2026 it reported $29.6M in total assets and $25.2M in member shares and deposits, with 1 office.

Alloy Federal Credit Union has a TellerScore of 71 out of 100 (strong) based on Q2 2026 data — higher than only 42% of its 2,479 credit unions with under $100 million in assets. Among 74 credit unions headquartered in West Virginia, it ranks 40th. Capital cushion contributes the most (97/100, 14.73%); loan quality contributes the least (39/100, 1.83%).

TellerScore · Q2 2026

Scorecard

Capital cushion97/100
Net worth ratio: 14.73%
Loan quality39/100
Loans 60+ days delinquent ÷ total loans: 1.83%
Earnings55/100
Return on assets (annualized): 0.86%
Funding & liquidity85/100
Loans ÷ shares: 75.1% · 4.8% uninsured
Problem-loan coverage84/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.96%

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 fell 2 points (73 → 71), mostly because the loan quality component weakened by 16 points.

TellerScore
596979Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202463
Q4 202464
Q1 202574
Q2 202573
Q3 202577
Q4 202573
Q1 202679
Q2 202671
Net worth ratio
7.00%11.04%15.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.88%
Q3 202414.95%
Q4 202415.07%
Q1 202514.41%
Q2 202514.41%
Q3 202514.87%
Q4 202514.94%
Q1 202614.52%
Q2 202614.73%
Delinquent loans (60+ days)
1.06%1.67%2.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.29%
Q3 20242.26%
Q4 20242.14%
Q1 20251.35%
Q2 20251.34%
Q3 20251.20%
Q4 20251.83%
Q1 20261.06%
Q2 20261.83%
Return on assets
0.48%0.76%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.48%
Q3 20240.57%
Q4 20240.56%
Q1 20250.93%
Q2 20250.77%
Q3 20250.92%
Q4 20251.04%
Q1 20261.00%
Q2 20260.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$29.6M14.73%1.83%0.86%75.1%
Q1 202679$29.7M14.52%1.06%1.00%73.7%
Q4 202573$28.3M14.94%1.83%1.04%75.8%
Q3 202577$27.8M14.87%1.20%0.92%79.2%
Q2 202573$28.1M14.41%1.34%0.77%79.4%
Q1 202574$27.8M14.41%1.35%0.93%81.3%
Q4 202464$26.2M15.07%2.14%0.56%88.8%
Q3 202463$26.2M14.95%2.26%0.57%88.6%
Q2 202459$27.9M13.88%2.29%0.48%83.9%

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 ratio14.73%
52nd
Problem loans1.83%
24th
Net charge-offs0.75%
19th
Return on assets0.86%
61st
Loans to deposits75.1%
26th
Uninsured deposits4.8%
22nd
Loan-loss reserves0.00%
37th
Texas ratio8.0%
18th

Similar-size credit unions in West Virginia

InstitutionScoreAssetsCapitalProblem loansCompare
Ibew 317 Federal Credit UnionCredit union Huntington, WV50 out of 100, Below average$29.6M11.1%4.71%vs
Wee Federal Credit UnionCredit union Parkersburg, WV62 out of 100, Moderate$29.0M13.2%2.56%vs
Huntington C & O Railway Employees Federal Credit UnionCredit union Huntington, WV61 out of 100, Moderate$30.7M15.3%5.58%vs
Mercer County W VA Teachers Federal Credit UnionCredit union Bluefield, WV56 out of 100, Moderate$28.3M9.3%1.88%vs
Preston Federal Credit UnionCredit union Kingwood, WV81 out of 100, Strong$31.2M13.6%1.10%vs
Marshall County Federal Credit UnionCredit union Moundsville, WV99 out of 100, Very strong$26.8M15.1%0.12%vs

Deposit insurance

Is my money safe at Alloy Federal Credit Union?

Yes. Alloy Federal Credit Union is a federally insured credit union (NCUA charter #20324). 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 4.8% of shares and deposits ($1.2M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.73%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Alloy Federal Credit Union lists 1 office in 1 city. Most locations:

  • Alloy, WV (1)

All branch addresses and map

Identity & history

Profile

Legal name
Alloy Federal Credit Union
Type
Federal credit union
NCUA charter #
20324
RSSD ID
869289
Primary regulator
NCUA
Established
1970
Headquarters
PO Box 323, Alloy, WV 25002
Employees
9

Quick answers

Alloy Federal Credit Union: common questions

Is Alloy Federal Credit Union NCUA insured?

Yes. Alloy Federal Credit Union is a federally insured credit union (NCUA charter #20324). 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 Alloy 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 Alloy Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Alloy

InstitutionScoreAssetsCapitalProblem loansCompare
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Raleigh Co. Educators Federal Credit UnionCredit union Beckley, WV97 out of 100, Very strong$21.3M26.3%0.04%vs
The State Credit UnionCredit union Charleston, WV90 out of 100, Very strong$95.3M19.1%0.25%vs
Fayette Federal Credit UnionCredit union Mount Hope, WV89 out of 100, Very strong$8.5M24.0%0.00%vs
Charleston Federal Credit UnionCredit union Charleston, WV88 out of 100, Very strong$15.5M14.8%0.75%vs