Alloy Federal Credit Union

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 3,203rd largest credit union in the nation. It was established in 1970 and as of December of 2022, it had grown to 6 employees and 4,504 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.
See current membership details


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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 - YTD0.76%
Return on Equity - YTD5.25%
Annual Interest Income$865.00K
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$24.5MM$24.4MM
LoansQ4 2022vs Q4 2021$18.3MM$13.1MM
DepositsQ4 2022vs Q4 2021$21.0MM$21.0MM
Equity CapitalQ4 2022vs Q4 2021$3.6MM$3.4MM
Loan Loss AllowanceQ4 2022vs Q4 2021$60.00K$71.00K
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$148.00K$80.00K
Real Estate OwnedQ4 2022vs Q4 2021$0$0

Rates for Alloy Federal Credit Union are currently being reviewed.


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

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