Overview / Commentary
Alloy Federal Credit Union is headquartered in Alloy and is the 35th largest credit union in the state of West Virginia. It is also the 2,965th largest credit union in the nation. It was established in 1970 and as of March of 2025, it had grown to 6 employees and 4,737 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, worship, or attend school in Fayette County, West Virginia.
See current membership details
Health
B
Data as of Q1 2025
Learn why bank health mattersAdditional 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 | 6 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.96% |
| Return on Equity - YTD | 6.49% |
| Annual Interest Income | $321K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $27.9MM$28.6MM |
| Loans | Q1 2025vs Q1 2024 | $19.4MM$21MM |
| Deposits | Q1 2025vs Q1 2024 | $23.9MM$24.8MM |
| Equity Capital | Q1 2025vs Q1 2024 | $4MM$3.8MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $117K$105K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $262K$205K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |