Federal credit union · Winston Salem, North Carolina · NCUA charter #24438

ALLEGACY

Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.

91
Health / 100
$2.48B
Total assets
183,472
Members
11.3%
Net-worth ratio
A Letter grade on the five-factor composite

ALLEGACY scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.48B; members 183,472; net-worth ratio 11.34%; health rank #951 of 4,374; healthier than 77th of scored peers.

Federal Call Report extract

NCUA 5300 Call Report Masthead

#951 of 4,374 health · 2025Q4

ALLEGACY · health 91/100 · $2.48B · 2025Q4

  • RANK 91/100
  • PHOTO 11.3%
  • BOOK 1.13%
  • CHARTER 0.69%
  • NCUSIF $2.48B
  • CAMELS 183,472
  • HEALTH #951/4,374
  • NW WORKERS
  • DELQ 24438

Call Report peers

ALLEGACY in the assets neighbourhood

South Carolina$2.51BWORKERS$2.49BALLEGACY (this)$2.48BL & N$2.47BElements Financial$2.47BTEXANS$2.47B
Nearest other-state credit unions by total assets (NCUA 5300)

ALLEGACY's $2.48B assets sit next to WORKERS ($2.49B) 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.

ALLEGACY 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

91 Top 23% higher than 77% 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

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.

NCUSIF coverage gauge for ALLEGACY Share insurance under NCUSIF covers up to $250,000 per share owner. ALLEGACY holds approximately $2.1B in member shares. Composite CAMELS rating bracket 1 (Strong). Risk-based capital ratio 11.3 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 1 · Strong RBC ratio 11.3% · $2.1B member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

ALLEGACY vs Over $500M peers

  • Loan-to-Share Ratio leads the peer set - 94.99% here, 83.90% peer average (+11.09 pp).
  • Widest shortfall vs peers is Delinquency Rate: +0.26 pp (1.13% vs 0.87%).

Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.

Where ALLEGACY sits in North Carolina

  • Health composite ranks #12 of 57 among scored North Carolina credit unions.
  • North Carolina assets place: #5 of 57.
  • North Carolina membership ordinal: #5 of 57.

In-state ordinals use the live credit_unions table for NC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.

How ALLEGACY's 5300 filing moved

ALLEGACY: total assets by quarter

4 Call Report filings on this page's own vintage chain

2,200,000,0002,300,000,0002,400,000,0002,500,000,0002,600,000,0002,700,000,000 2023Q42024Q42025Q42026Q1 2,241,143,070 2,568,924,848 ▲ +14.6%
  • Assets moved +3.7% from $2.48B (2025Q4) to $2.57B (2026Q1).
  • Net-worth ratio shifted -0.05 pp (11.39% → 11.34%).

Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.

Net worth ratio vs. NCUA well-capitalized threshold 75.6%

11.34% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).

How the 91/100 score is built

Each segment is a pillar's weighted contribution to the composite; widths sum to 91.

  • Net Worth Ratio 30.0 pts
  • Delinquency Rate 19.0 pts
  • Return on Assets 15.0 pts
  • Member Growth 13.8 pts
  • Loan-to-Share Ratio 13.2 pts

ALLEGACY vs peer ratios

Metric Value vs peer
Net Worth Ratio 11.34% +0.16 pp
Delinquency Rate 1.13% +0.26 pp
Return on Assets 0.69% +0.18 pp
Member Growth 3.99% -
Loan-to-Share Ratio 94.99% +11.09 pp

Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).

ALLEGACY quarterly book

Quarter Assets Members
2026Q1 $2.57B -
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

Branch Locations (29)

ALLEGACY operates 29 offices across 15 cities, per its most recent NCUA branch filing.

Office City
Westbrook (Main Office) Winston Salem, NC
Bermuda Run Advance, NC
Belmont Belmont, NC
Charlotte Charlotte, NC
Charlotte Charlotte, NC
Allegacy Village Clemmons, NC
West Forsyth High School Clemmons, NC
Battleground Greensboro, NC
Spartan Village Greensboro, NC
Palladium High Point, NC
Charlotte Indian Trail, NC
Kernersville Mtn Kernersville, NC
Glenn High School Kernersville, NC
King King, NC
Mocksville Mocksville, NC
Lake Norman Mooresville, NC
Mt Airy Mount Airy, NC
Reagan High School Pfafftown, NC
Biotech Winston Salem, NC
North Patterson Winston Salem, NC
Atkins High School Winston Salem, NC
Carver High School Winston Salem, NC
Reynolds High School Winston Salem, NC
Mt Tabor High School Winston Salem, NC
North Forsyth High School Winston Salem, NC
Peace Haven Winston Salem, NC
Stafford Village Winston Salem, NC
Kennedy High School Winston Salem, NC
Yadkinville Yadkinville, NC

Source: NCUA Credit Union Branch Information, 2025Q4 filing.

Nearby Credit Unions in North Carolina

Other federally-insured credit unions in North Carolina, closest first by peer group and asset size.

Compare ALLEGACY vs SELF-HELP

Nationwide credit unions with similar profiles

Cross-state asset and health neighbours for ALLEGACY - kept outside North Carolina; in-state CUs stay in the Nearby block.

Similar health score

Nearest other-state credit unions by five-factor health composite (91/100 here).

Arkansas Farm Bureau 91 · AR Appalachian Community 91 · TN TINKER 91 · OK Los Angeles Police 91 · CA

Using this data

  • ALLEGACY ranks #951 of 4,374 nationally on financial health and #12 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
  • SELF-HELP is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SELF-HELP
  • Rates and health both vary by institution, not just by state -- see how North Carolina credit unions compare overall before assuming this one is typical. North Carolina 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 ALLEGACY financially healthy?

ALLEGACY scores 91/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #951 of 4,374; by total assets it ranks #212 of 4,374 nationally (same basis as /rankings/largest); and #5 of 57 within North Carolina. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.34% 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 11.34% 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.

Data sources

Related

How health scores work →

Data sourced from the NCUA 5300 Call Report (2025Q4) for ALLEGACY. Retrieved and formatted by PlainCU. See our methodology for details.

Disclaimer: Not affiliated with NCUA. For informational purposes only.

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.