State credit union · WAUKESHA, Wisconsin · NCUA charter #66660
Alloy Employees
Health score 50/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 50
- Health / 100
- $328K
- Total assets
- 165
- Members
- 40.7%
- Net-worth ratio
Alloy Employees scores 50/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $328K; members 165; net-worth ratio 40.67%; health rank #4,262 of 4,374; healthier than 2nd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,262 of 4,374 health · 2025Q4Alloy Employees · health 50/100 · $328K · 2025Q4
- ASSETS 50/100
- MEM 40.7%
- RANK 69.11%
- PHOTO -0.76%
- BOOK $328K
- CHARTER 165
- NCUSIF #4,262/4,374
- CAMELS n/a
- HEALTH 66660
Call Report peers
Alloy Employees carries $328K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Alloy Employees 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
50 2nd percentile higher than 2% 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
Alloy Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #66660. See our deposit-insurance coverage note.
Alloy Employees vs Under $2M peers
- Largest favorable gap: Net Worth Ratio at 40.67% vs peer 22.93% (+17.74 pp).
- Widest shortfall vs peers is Delinquency Rate: +64.63 pp (69.11% vs 4.48%).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Wisconsin standing for Alloy Employees
- Wisconsin health ordinal: #99 of 100.
- Assets rank #100 of 100 inside Wisconsin ($328K reported).
- Membership ranks #99 of 100 among Wisconsin CUs with a reported count (165 members).
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Alloy Employees
Alloy Employees: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $319K (2024Q4) to $328K (2025Q4).
- Membership moved +1.9% from 162 to 165 over the same window.
- Net-worth ratio shifted -3.33 pp (44.00% → 40.67%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
40.67% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 50/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 50.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 0.0 pts
- Member Growth 11.2 pts
- Loan-to-Share Ratio 8.8 pts
Alloy Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 40.67% | +17.74 pp |
| Delinquency Rate | 69.11% | +64.63 pp |
| Return on Assets | -0.76% | -0.98 pp |
| Member Growth | 1.85% | - |
| Loan-to-Share Ratio | 35.02% | -17.68 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Call Report history - Alloy Employees
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $328K | 165 |
| 2024Q4 | $319K | 162 |
| 2023Q4 | $372K | 160 |
Credit Union Details
- Charter Number
- 66660
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Wisconsin
- City
- WAUKESHA
- Data Quarter
- 2025Q4
Nearby Credit Unions in Wisconsin
Other federally-insured credit unions in Wisconsin, closest first by peer group and asset size.
- HOLY REDEEMER COMMUNITY OF SE WIS.MILWAUKEE, WI · Under $2M91Health
- POLICESHEBOYGAN, WI · Under $2M89Health
- STOPPENBACHJefferson, WI · Under $2M60Health
- 1ST CLASS EXPRESSWAUKESHA, WI · $2M–$10M74Health
- AIR TECHMILWAUKEE, WI · $2M–$10M82Health
Compare Alloy Employees vs HOLY REDEEMER COMMUNITY OF SE WIS.
Nationwide credit unions with similar profiles
Alloy Employees's nationwide photo peers by assets and by health score, excluding Wisconsin charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (50/100 here).
Using this data
- Alloy Employees ranks #4,262 of 4,374 nationally on financial health and #99 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Holy Redeemer Community of Se Wis. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Holy Redeemer Community of Se Wis.
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin 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 Alloy Employees financially healthy?
Alloy Employees scores 50/100 (Fair) 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 #4,262 of 4,374; by total assets it ranks #4,331 of 4,374 nationally (same basis as /rankings/largest); and #100 of 100 within Wisconsin. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 40.67% net worth ratio and a 69.11% delinquency rate.
How does Alloy Employees compare to other credit unions?
50/100 is Alloy Employees's score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Alloy Employees?
Membership eligibility for Alloy Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Alloy Employees directly for current membership requirements and application steps.
Is my money safe at Alloy Employees?
Federal credit unions like Alloy Employees 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. Alloy Employees's net worth ratio of 40.67% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Alloy Employees offer compared to banks?
Credit unions like Alloy Employees 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 Alloy Employees 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.