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 35^th largest credit union in the state of West Virginia. It is also the 3,264^th largest credit union in the nation. It was established in 1970 and as of March of 2021, it had grown to 7 employees and 4,415 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 2021

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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	0.71%
Return on Equity - YTD	5.18%
Annual Interest Income	$199.00K

Assets and Liabilities
Assets	Q1 2021vs Q1 2020	$24.8MM$22.5MM
Loans	Q1 2021vs Q1 2020	$13.2MM$14.3MM
Deposits	Q1 2021vs Q1 2020	$21.4MM$19.3MM
Equity Capital	Q1 2021vs Q1 2020	$3.3MM$3.2MM
Loan Loss Allowance	Q1 2021vs Q1 2020	$94.00K$94.00K
Unbacked Noncurrent Loans	Q1 2021vs Q1 2020	$64.00K$138.00K
Real Estate Owned	Q1 2021vs Q1 2020	$0$0

Rates

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Savings
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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