ALLOY Credit Union Profile

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ALLOY

Charter #20324 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (304) 779-2773

Fax: (304) 779-2683

Founding Date: N/A

Website: http://www.alloyfcu.com

Personnel & Operations

President: Phillips, Ray

Manager: Valentine, Deanna

FT Employees: 6

PT Employees: 3

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 12

Branches: 2

Hours: Mon - Fri 8:00am - 4:30 pm Drive - Thru Mo

Credit Union Profile Summary

ALLOY is a FCU Credit Union. With a total of 4,786 members [1], this institution manages approximately $28,147,184 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 14.41% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -5.44% [1].

Financial Snapshot

Total Assets [1]
$28,147,184

Total economic resources.

Total Loans [1]
$19,111,555

Total value of outstanding loans.

Total Deposits [1]
$24,061,773

Total funds deposited by members.

Members [1]
4,786

Number of active members.

Performance Ratios

Net Worth Ratio [1]
14.41%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.80%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
79.43%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 0.73%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -5.44%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 2.64%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

3574 Midland Trail

Alloy, WV, 25002
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 2 branches reported by ALLOY (Charter #20324).

Main Office

Alloy Main Office

Type: Corporate Office

3574 Midland Trail

Alloy, WV 25002

Phone: (304) 779-2773

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Fayetteville

Fayetteville

Type: Branch Office

515 Hinkle Rd

Fayetteville, WV 25840-6903

Phone: (304) 574-4011

Services: Member Services, ATM, Drive-Thru

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