Overview / Commentary
3574 Midland Trail
Alloy, WV 25002

Alloy Federal Credit Union is headquartered in Alloy and is the 36th largest credit union in the state of West Virginia. It is also the 3,399th largest credit union in the nation. It was established in 1970 and as of September of 2018, it had grown to 7 employees and 4,039 members at 2 locations. Alloy Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, attend school or worship in Fayette County of West Virginia.
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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Alloy Federal Credit Union has a low asset base.

Health Grade Components

NCUA #20324
Year Chartered1970
Primary Regulator
Profit Margin
Return on Assets - YTD0.05%
Return on Equity - YTD0.32%
Annual Interest Income$555.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$19.4MM$19.6MM
LoansQ3 2018vs Q3 2017$12.8MM$10.4MM
DepositsQ3 2018vs Q3 2017$16.5MM$16.6MM
Equity CapitalQ3 2018vs Q3 2017$2.9MM$2.9MM
Loan Loss AllowanceQ3 2018vs Q3 2017$152.00K$151.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$105.00K$169.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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Alloy Federal Credit Union Savings Account Rates

0.50%--IRA Share Account
0.20%--Regular Share Savings Account
0.20%--Christmas Share Account

Alloy Federal Credit Union CD Rates

1.70%$500-60 Month Share Certificate
1.40%$500-36 Month Share Certificate
1.20%$500-24 Month Share Certificate
0.90%$500-12 Month Share Certificate

Alloy Federal Credit Union IRA Rates

1.25%$500-60 Month IRA
1.15%$500-36 Month IRA
1.05%$500-24 Month IRA
1.03%$500-12 Month IRA

Alloy Federal Credit Union Locations
Branch Office3574 Midland TrailAlloy, WV 25002
Branch Office515 Hinkle RdFayetteville, WV 25840-6903

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