Alloy Federal Credit Union

Overview / Commentary

304-779-2773

3574 Midland Trail
Alloy, WV 25002

Alloy Federal Credit Union is headquartered in Alloy and is the 36^th largest credit union in the state of West Virginia. It is also the 3,235^th largest credit union in the nation. It was established in 1970 and as of March of 2022, it had grown to 7 employees and 4,439 members at 2 locations. Alloy Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Alloy Federal Credit Union is open to those who live, work, attend school or worship in Fayette County of West Virginia.
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Health

B+

Data as of Q1 2022

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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

Overall
NCUA #	20324
Year Chartered	1970
Employees	7
Primary Regulator

Profit Margin
Return on Assets - YTD	1.03%
Return on Equity - YTD	7.45%
Annual Interest Income	$218.00K

Assets and Liabilities
Assets	Q1 2022vs Q1 2021	$25.2MM$24.8MM
Loans	Q1 2022vs Q1 2021	$13.5MM$13.2MM
Deposits	Q1 2022vs Q1 2021	$21.8MM$21.4MM
Equity Capital	Q1 2022vs Q1 2021	$3.4MM$3.3MM
Loan Loss Allowance	Q1 2022vs Q1 2021	$57.00K$94.00K
Unbacked Noncurrent Loans	Q1 2022vs Q1 2021	$67.00K$64.00K
Real Estate Owned	Q1 2022vs Q1 2021	$0$0

Rates

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CD
IRA

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Alloy Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%	-	-	IRA Share Account
0.20%	-	-	Christmas Share Account
0.10%	-	-	Regular Share Savings Account

Alloy Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	$500	-	24 Month Share Certificate
0.50%	$500	-	36 Month Share Certificate
0.50%	$500	-	60 Month Share Certificate
0.25%	$500	-	12 Month Share Certificate

Alloy Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.75%	$500	-	24 Month IRA
0.75%	$500	-	36 Month IRA
0.75%	$500	-	60 Month IRA
0.50%	$500	-	12 Month IRA

Locations

Alloy Federal Credit Union Locations
Branch Office	3574 Midland Trail	Alloy, WV 25002
Branch Office	515 Hinkle Rd	Fayetteville, WV 25840-6903

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