Sep, 30, 2025 — ALLOY FEDERAL CREDIT UNION is a federal credit union headquartered in ALLOY, WV with 2 branch locations and about $27.84 million in total assets. Opened 56 years ago in 1970, ALLOY FEDERAL CREDIT UNION has about 4,826 members and employs 9 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ALLOY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 3574 Midland Trail ALLOY, WV 25002 |
| Phone: | (304) 779-2773 |
| Fax: | (304) 779-2683 |
| Website: | https://www.alloyfcu.com |
| Branches: | 2 branch locations |
| Members: | 4,826 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 20324 |
|---|---|
| Membership Type: | Manufacturing - Primary and Fabricated Metals |
| Corporate Credit Union: | No |
| Year Opened: | 1970 |
| Last Audited: | Nov 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $27,840,656 |
| CEO/Manager: | Deanna M Valentine |
| Chairperson: | Ray Phillips |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 4,148,049 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 1,594,770 |
| Unsecured Loans | 1,662,848 |
| Other Loans | 15,490,413 |
| TOTAL LOANS | 18,748,031 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -114,323 |
| Land And Building | 760,819 |
| Other Fixed Assets | 29,351 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 222,464 |
| All Other Assets | 0 |
| TOTAL ASSETS | 27,840,656 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 44,048 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | -14,906 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 3,914,625 |
| Regular shares | 14,054,252 |
| All Other Shares & Deposits | 5,711,399 |
| TOTAL SHARES & DEPOSITS | 23,680,275 |
| TOTAL LIABILITIES | 23,709,417 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 4,131,239 |
| TOTAL EQUITY | 4,131,239 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 27,840,656 |
| INCOME & EXPENSE | |
| Loan Income | 860,490 |
| Investment Income | 145,885 |
| Other Income | 331,322 |
| Total Employee Compensation & Benefits | 369,574 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 565,849 |
| Non-operating Income & (Expense) | 11,465 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 96,800 |
| Cost of Funds | 124,998 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 191,941 |
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