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 3,364th largest credit union in the nation. It was established in 1970 and as of December of 2018, it had grown to 6 employees and 4,057 members at 2 locations. Alloy Federal Credit Union has a B health rating.
Field of Membership Restrictions
Membership is open to those who live, work, attend school or worship in Fayette County of West Virginia.
See current membership details
Health
B
Data as of Q4 2018
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 | 0.19% |
| Return on Equity - YTD | 1.28% |
| Annual Interest Income | $762.00K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2018vs Q4 2017 | $19.8MM$19.3MM |
| Loans | Q4 2018vs Q4 2017 | $13.2MM$11.0MM |
| Deposits | Q4 2018vs Q4 2017 | $16.4MM$16.3MM |
| Equity Capital | Q4 2018vs Q4 2017 | $3.0MM$2.9MM |
| Loan Loss Allowance | Q4 2018vs Q4 2017 | $152.00K$167.00K |
| Unbacked Noncurrent Loans | Q4 2018vs Q4 2017 | $167.00K$196.00K |
| Real Estate Owned | Q4 2018vs Q4 2017 | $0$0 |
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Alloy Federal Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.50% | - | - | IRA Share Account | |
| 0.20% | - | - | Regular Share Savings Account | |
| 0.20% | - | - | Christmas Share Account |
Alloy Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.70% | $500 | - | 60 Month Share Certificate | |
| 1.40% | $500 | - | 36 Month Share Certificate | |
| 1.20% | $500 | - | 24 Month Share Certificate | |
| 0.90% | $500 | - | 12 Month Share Certificate |
Alloy Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.25% | $500 | - | 60 Month IRA | |
| 1.15% | $500 | - | 36 Month IRA | |
| 1.05% | $500 | - | 24 Month IRA | |
| 1.03% | $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 |