Alloy Federal Credit Union

Overview / Commentary
3574 Midland Trail
Alloy, WV 25002

Alloy Federal Credit Union is headquartered in Alloy and is the 34th largest credit union in the state of West Virginia. It is also the 3,016th largest credit union in the nation. It was established in 1970 and as of December of 2023, it had grown to 6 employees and 4,741 members at 2 locations. Alloy Federal Credit Union's CD rates are 2X the national average, and it 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.
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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 - YTD0.98%
Return on Equity - YTD7.15%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$28MM$24.5MM
LoansQ4 2023vs Q4 2022$21.4MM$18.3MM
DepositsQ4 2023vs Q4 2022$24.2MM$21MM
Equity CapitalQ4 2023vs Q4 2022$3.8MM$3.6MM
Loan Loss AllowanceQ4 2023vs Q4 2022$99K$60K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$305K$148K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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Alloy Federal Credit Union Savings Account Rates

0.50%--IRA Share Account
0.20%--Christmas Share Account
0.15%--Regular Share Savings Account

Alloy Federal Credit Union CD Rates

2.25%$500-60 Month Share Certificate
2.00%$500-12 Month Share Certificate
2.00%$500-24 Month Share Certificate
2.00%$500-36 Month Share Certificate

Alloy Federal Credit Union IRA Rates

2.50%$500-12 Month IRA
2.25%$500-24 Month IRA
2.25%$500-36 Month IRA
2.25%$500-60 Month IRA

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

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