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
- BOOK 80/100
- CHARTER 16.1%
- NCUSIF 0.59%
- CAMELS 0.95%
- HEALTH $16.0M
- NW 2,074
- DELQ #2,705/4,374
- ROA Two Rivers
- ASSETS 61926
Call Report peers
ALCOSE in the assets neighbourhood
ALCOSE's $16.0M assets sit next to Two Rivers ($16.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ALCOSE vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ALCOSE - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #61926. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for ALCOSE
ALCOSE: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.2% from $16.0M (2025Q4) to $16.0M (2026Q1).
- Net-worth ratio shifted -0.11 pp (16.21% → 16.10%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for ALCOSE, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($16.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ALCOSE financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, ALCOSE carries a financial health score of 80/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,705 of 4,374; by total assets it ranks #3,288 of 4,374 nationally (same basis as /rankings/largest); and #183 of 275 within Pennsylvania. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.10% net worth ratio and a 0.59% delinquency rate.
How does ALCOSE compare to other credit unions?
Five weighted metrics from NCUA filings produce ALCOSE's 80/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like ALCOSE are 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."
What rates does ALCOSE offer compared to banks?
Credit unions like ALCOSE are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ALCOSE directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.