State credit union · White Oak, Pennsylvania · NCUA charter #61926
ALCOSE
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $16.0M
- Total assets
- 2,074
- Members
- 16.1%
- Net-worth ratio
ALCOSE scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.0M; members 2,074; net-worth ratio 16.10%; health rank #2,705 of 4,374; healthier than 36th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,705 of 4,374 health · 2025Q4ALCOSE · health 80/100 · $16.0M · 2025Q4
Call Report peers
ALCOSE in the assets neighbourhood
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ALCOSE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ALCOSE sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for ALCOSE
- Net Worth Ratio leads the peer set - 16.10% here, 14.86% peer average (+1.24 pp).
- Loan-to-Share Ratio trails the peer set - 33.06% here, 59.80% peer average (-26.74 pp).
ALCOSE: in-state Call Report ranks
- Health composite ranks #151 of 275 among scored Pennsylvania credit unions.
- By total assets, ALCOSE is #183 of 275 in Pennsylvania.
- Member book place in Pennsylvania: #163 of 275.
- One place up in Pennsylvania, BLACKHAWK (#150) ties at 80/100; one place down, Jessop Community (#152) ties at 80/100.
Quarter path for ALCOSE
ALCOSE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.2% from $16.0M (2025Q4) to $16.0M (2026Q1).
- Net-worth ratio shifted -0.11 pp (16.21% → 16.10%).
At 16.10%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
ALCOSE gives up 20 points in total. Member Growth costs the most, 12.8 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.1 pts
- Return on Assets 15.0 pts
- Member Growth 2.2 pts
- Loan-to-Share Ratio 8.7 pts
ALCOSE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.10% | +1.24 pp |
| Delinquency Rate | 0.59% | -0.55 pp |
| Return on Assets | 0.95% | +0.25 pp |
| Member Growth | -3.76% | - |
| Loan-to-Share Ratio | 33.06% | -26.74 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
ALCOSE quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $16.0M | - |
| 2025Q4 | $16.0M | 2,074 |
| 2024Q4 | $16.2M | 2,155 |
| 2023Q4 | $17.1M | 2,303 |
Credit Union Details
- Charter Number
- 61926
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- White Oak
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, ALCOSE runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Alcose Credit Union (Main Office) | White Oak, PA |
| Alcose Credit Union | Pittsburgh, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
ALCOSE nationwide neighbourhoods
Using this data
- ALCOSE ranks #2,705 of 4,374 nationally on financial health and #151 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- KINZUA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with KINZUA
Frequently Asked Questions
Is ALCOSE financially healthy?
ALCOSE has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,705 of 4,374 nationally on health and #151 of 275 in Pennsylvania. Its net worth ratio is 16.10% and its delinquency rate 0.59%.
How does ALCOSE compare to other credit unions?
ALCOSE scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (16.10% vs 14.86%). Its widest shortfall is loan-to-share ratio (33.06% vs 59.80%).
How can I join ALCOSE?
Membership eligibility for ALCOSE depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ALCOSE directly for current membership requirements and application steps.
Is my money safe at ALCOSE?
ALCOSE is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ALCOSE's net worth ratio of 16.10% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.