Alcose Credit Union White Oak, Pennsylvania
Alcose Credit Union is a state-chartered credit union headquartered in White Oak, PA, established in 1950 (NCUA charter 61926), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,018 members and total assets of $16.1M (up 0.1% from Q2 2025), the 183rd largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 16.42% at Q2 2026, in the well capitalized band.
Also written as Alcose CU
BankRegReports is independent of Alcose Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 61926
- Headquarters
- White Oak, PA
- Established
- 1950
- Total assets, Q2 2026
- $16.1M
- Assets vs Q2 2025
- +0.1%
- Members, Q2 2026
- 2,018
- Net worth ratio, Q2 2026
- 16.42%
- Latest call report
- Q2 2026, NCUA 5300 · Alcose Credit Union call report
- Asset rank in state
- 183rd of 269 in Pennsylvania
- Routing number
- 243083211
- Branches
- 2
It has 80 fewer members than on June 30, 2025 (-3.8%). Its net worth ratio was up 0.64 percentage points from 15.78% on June 30, 2025. Used vehicle loans are its largest loan category, $1.9M of $4.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.03% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 16.42% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Pennsylvania
Credit unions merged into Alcose Credit Union
Frequently asked about Alcose Credit Union
How big is Alcose Credit Union?
At Q2 2026 it reported total assets of $16.1M and 2,018 members.
Where is Alcose Credit Union headquartered?
It is headquartered in White Oak, PA, United States.
When was Alcose Credit Union founded?
It was established in 1950, per NCUA records.
Is Alcose Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 61926): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Alcose Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Alcose Credit Union well capitalized?
Its net worth ratio was 16.42% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Alcose Credit Union's delinquency ratio?
Its delinquency ratio was 0.03% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Alcose Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 32.76% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- White Oak, PA 15131
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1950
- NCUA Charter #
- 61926
- RSSD ID
- 730491
- Members
- 2,018
- Potential members
- 10,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 16.42% | 14.31% | 60th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.65% | 0.72% | 84th top |
| Return on equity Middle half of peers: 1.04% to 8.69% | 10.07% | 4.74% | 81st top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.59% | 3.93% | 36th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 72.49% | 79.83% | 66th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.27% | 0.78% | 82nd top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.03% | 0.86% | over 90th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.86% | 4.70% | 15th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 32.76% | 58.92% | 14th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$16.1M total assets against $16.1M; $13.7M total shares and deposits against $13.7M; $4.5M total loans against $4.5M.
$2.6M net worth against $2.5M.
16.42% net worth ratio against 15.78%.
32.76% loan-to-share ratio against 32.70%.
0.03% delinquency ratio against 0.65%.
1.65% return on assets against 0.87%; 10.07% return on equity against 5.52%.
3.59% net interest margin against 3.31%.
2,018 members against 2,098.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.42% | 1.65% | 0.03% | 32.76% |
| March 31, 2026 | 16.10% | -0.33% | 0.60% | 32.92% |
| December 31, 2025 | 16.21% | 0.85% | 0.59% | 33.06% |
| September 30, 2025 | 16.15% | 0.77% | 0.60% | 33.28% |
| June 30, 2025 | 15.78% | 0.87% | 0.65% | 32.70% |
| March 31, 2025 | 15.40% | -0.41% | 0.75% | 31.92% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.