Alloy Federal Credit Union
Total assets
$29.7M
▲ +6.5% YoY
Shares & deposits
$25.3M
▲ +6.2% YoY
Loans
$18.7M
▼ -3.8% YoY
Members
4,887
▲ +3.2% YoY
ROA (annualized)
1.00%
peers 0.60%
ROE (annualized)
6.90%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +1.3% | +5.2 pts |
| Share growth (YoY) | +6.2% | +0.7% | +5.5 pts |
| Loan growth (YoY) | -3.8% | -2.4% | -1.5 pts |
| ROA | 1.00% | 0.60% | +0.4 pts |
| ROE | 6.9% | 4.1% | +2.8 pts |
ROA ranks in the 69th percentile of its peer group · Q1 2026
Profile
- Established
- 1970
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- Po Box 323, Alloy, WV, 25002
- NCUA charter #
- 20324
- RSSD ID
- 869289
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $29.7M | $25.3M | $18.7M | $4.3M | $74K | 1.00% | 4.06% | 1.06% | 4,887 |
| Q4 2025 | $28.3M | $24.1M | $18.2M | $4.2M | $294K | 1.04% | 4.21% | 1.83% | 4,851 |
| Q3 2025 | $27.8M | $23.7M | $18.7M | $4.1M | $192K | 0.92% | 4.22% | 1.20% | 4,826 |
| Q2 2025 | $28.1M | $24.1M | $19.1M | $4.1M | $108K | 0.77% | 4.05% | 1.34% | 4,786 |
| Q1 2025 | $27.8M | $23.9M | $19.4M | $4.0M | $65K | 0.93% | 4.34% | 1.35% | 4,737 |
| Q4 2024 | $26.2M | $22.2M | $19.8M | $4.0M | $147K | 0.56% | 3.67% | 2.14% | 4,700 |
| Q3 2024 | $26.2M | $22.3M | $19.8M | $3.9M | $111K | 0.57% | 3.61% | 2.26% | 4,694 |
| Q2 2024 | $27.9M | $24.1M | $20.2M | $3.9M | $67K | 0.48% | 3.22% | 2.29% | 4,663 |
Loan mix (Q1 2026): real estate $1.6M · commercial $0 · consumer $14.5M · securities $3.3M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.60% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 6.9% | 4.1% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.06% | 3.83% | 61th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.8% | 81.5% | 51th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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