Federal credit union · Winston Salem, North Carolina · NCUA charter #24438
Allegacy
Health score 91/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $2.48B
- Total assets
- 183,472
- Members
- 11.4%
- Net-worth ratio
Allegacy - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24438: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Allegacy - Five Health Pillars
Below, five 0-100 sub-scores, one per pillar of the composite. Weight and sum them and the result matches the headline health score above exactly - same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)76
- Earnings (ROA)100
- Member growth92
- Liquidity (loan-to-share)85
Weighted composite: 91/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
11.36% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.36% | 30% |
| Delinquency Rate | 1.13% | 25% |
| Return on Assets | 0.69% | 15% |
| Member Growth | 3.99% | 15% |
| Loan-to-Share Ratio | 94.99% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $2.48B | 183,472 |
| 2024Q4 | $2.36B | 176,425 |
| 2023Q4 | $2.24B | 173,626 |
Credit Union Details
- Charter Number
- 24438
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- North Carolina
- City
- Winston Salem
- Data Quarter
- 2025Q4
What This Data Says About Allegacy
Headquartered in Winston Salem, North Carolina, Allegacy is a federal credit union with 183,472 members, $2.48B in total assets, and $1.99B in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 91/100 (Excellent), driven in part by a net worth ratio of 11.36% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #24438 and reports within peer group Over $500M, a cohort of 749 similarly-sized institutions.
On loan book quality: 1.13% of loans are 60+ days past due against the total loan book - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Meanwhile a 94.99% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.69% on net income of $17.1M for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 3.99%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in North Carolina
Other federally-insured credit unions in North Carolina, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Allegacy financially healthy?
Allegacy scores 91/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.36% net worth ratio and a 1.13% delinquency rate.
How does Allegacy compare to other credit unions?
On PlainCU's health composite, Allegacy lands at 91/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Allegacy?
Allegacy operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Allegacy directly for the exact boundaries and application steps.
Is my money safe at Allegacy?
Federal credit unions like Allegacy 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. Allegacy's net worth ratio of 11.36% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Allegacy offer compared to banks?
Credit unions like Allegacy 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 Allegacy directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.