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
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 · 2025Q4ALLEGACY · health 91/100 · $2.48B · 2025Q4
Call Report peers
ALLEGACY in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); ALLEGACY sits in 90-94 with 747 others.
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 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%).
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.
- One place up in North Carolina, CHAMPION (#11) ties at 91/100; one place down, MOUNTAIN (#13) ties at 91/100.
How ALLEGACY's 5300 filing moved
ALLEGACY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.7% from $2.48B (2025Q4) to $2.57B (2026Q1).
- Net-worth ratio shifted -0.05 pp (11.39% → 11.34%).
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
ALLEGACY gives up 9 points in total. Delinquency Rate costs the most, 6 of its 25; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
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
Frequently Asked Questions
Is ALLEGACY financially healthy?
On its 2025Q4 NCUA 5300 filing, ALLEGACY scores 91/100 (Excellent), with a 11.34% net worth ratio and 1.13% of loans delinquent. It ranks #951 of 4,374 nationally on health and #12 of 57 in North Carolina.
How does ALLEGACY compare to other credit unions?
ALLEGACY scores 91/100, higher than 77% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (94.99% vs 83.90%). Its widest shortfall is delinquency rate (1.13% vs 0.87%).
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?
ALLEGACY is a federal 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. ALLEGACY's net worth ratio of 11.34% 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.