Federal credit union · Alloy, West Virginia · NCUA charter #20324
ALLOY
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $28.3M
- Total assets
- 4,851
- Members
- 14.5%
- Net-worth ratio
ALLOY scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $28.3M; members 4,851; net-worth ratio 14.52%; health rank #1,606 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,606 of 4,374 health · 2025Q4ALLOY · health 87/100 · $28.3M · 2025Q4
Call Report peers
ALLOY in the assets neighbourhood
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ALLOY vs every NCUA-scored credit union
ALLOY sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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 ALLOY
- Loan-to-Share Ratio leads the peer set - 75.83% here, 59.80% peer average (+16.03 pp).
- Widest shortfall vs peers is Delinquency Rate: +0.69 pp (1.83% vs 1.15%).
ALLOY in West Virginia
- Health composite ranks #24 of 74 among scored West Virginia credit unions.
- By total assets, ALLOY is #35 of 74 in West Virginia.
- Membership ranks #21 of 74 among West Virginia CUs with a reported count (4,851 members).
- One place up in West Virginia, West Virginia (#23) ties at 87/100; one place down, PRESTON (#25) ties at 87/100.
How ALLOY's 5300 filing moved
ALLOY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.7% from $28.3M (2025Q4) to $29.7M (2026Q1).
- Net-worth ratio shifted -0.42 pp (14.94% → 14.52%).
At 14.52%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 87/100 score is built
ALLOY gives up 13 points in total. Delinquency Rate costs the most, 11.3 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 13.7 pts
- Return on Assets 15.0 pts
- Member Growth 12.9 pts
- Loan-to-Share Ratio 15.4 pts
ALLOY vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.52% | -0.34 pp |
| Delinquency Rate | 1.83% | +0.69 pp |
| Return on Assets | 0.52% | -0.19 pp |
| Member Growth | 3.21% | - |
| Loan-to-Share Ratio | 75.83% | +16.03 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $29.7M | - |
| 2025Q4 | $28.3M | 4,851 |
| 2024Q4 | $26.2M | 4,700 |
| 2023Q4 | $28.0M | 4,741 |
Credit Union Details
- Charter Number
- 20324
- Type
- Federal
- Field of Membership
- Manufacturing
- Peer Group
- $10M–$50M
- State
- West Virginia
- City
- Alloy
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for ALLOY, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| Alloy (Main Office) | Alloy, WV |
| Fedcomp | Fairfax, VA |
| Fayetteville | Fayetteville, WV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in West Virginia
More federally-insured credit unions based in West Virginia, ordered by peer group match and asset size.
Other-state peers near ALLOY
Similar total assets
Similar health score
Using this data
- ALLOY ranks #1,606 of 4,374 nationally on financial health and #24 of 74 in WV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mercer County W Va Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mercer County W Va Teachers
Frequently Asked Questions
Is ALLOY financially healthy?
ALLOY has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,606 of 4,374 nationally on health and #24 of 74 in West Virginia. Its net worth ratio is 14.52% and its delinquency rate 1.83%.
How does ALLOY compare to other credit unions?
ALLOY scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (75.83% vs 59.80%). Its widest shortfall is delinquency rate (1.83% vs 1.15%).
How can I join ALLOY?
ALLOY is chartered around a single common bond (Manufacturing), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact ALLOY directly to confirm eligibility.
Is my money safe at ALLOY?
ALLOY 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. ALLOY's net worth ratio of 14.52% 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.