Alloy
Alloy, WV · Charter 20324 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$29.6MAssets
$19.0MLoans
$25.2MShares
$4.4MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 71% of credit unions under $1B in assets (rank 483 of 1683).
- Widest gap: nonperforming loans / loans trails 84% of credit unions under $1B in assets (rank 1417 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.86%
Rank 723 of 1,683
Net Interest Margin
4.23%
Rank 483 of 1,683
Efficiency Ratio
76.43%
Rank 748 of 1,682
Equity / Assets
14.73%
Rank 579 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.86% | 0.35% | 0.74% | 1.18% | Beats 57% | 723 / 1,683 | |
| Return on Equity | 5.87% | 2.67% | 5.89% | 8.74% | Beats 50% | 846 / 1,681 | |
| Net Interest Margin | 4.23% | 3.31% | 3.82% | 4.32% | Beats 71% | 483 / 1,683 | |
| Efficiency Ratio | 76.43% | 68.91% | 78.20% | 86.93% | Beats 56% | 748 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.83% | 0.26% | 0.65% | 1.29% | Beats 16% | 1,417 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.73% | 10.44% | 12.89% | 16.53% | Beats 66% | 579 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.73% | 10.44% | 12.89% | 16.53% | Beats 66% | 579 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 75.15% | 52.61% | 69.38% | 83.50% | 60th pctl | 671 / 1,683 | |
| Loans / Assets | 64.04% | 44.71% | 59.18% | 70.72% | 61st pctl | 659 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |