Credit Union Safety Analysis
Is Alcose Credit Union Safe? White Oak, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Alcose Credit Union has a net worth ratio of 16.42%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.03%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Alcose Credit Union's net worth ratio is 16.42%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.42%
- Delinquency ratio (60+ days) (Q2 2026): 0.03%
- Return on assets (Q2 2026): 1.65%
- Loan-to-share ratio (Q2 2026): 32.76%
Alcose Credit Union (NCUA charter 61926, established 1950) reported $16.1M in assets and 2,018 members for Q2 2026 from White Oak, Pennsylvania. It ranks 183 of 269 credit unions in Pennsylvania by total assets. Total assets grew 0.1% from $16.1M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 16.10% for Q1 2026; 15.78% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.60% for Q1 2026; 0.65% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -0.33% for Q1 2026; 0.87% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 32.92% for Q1 2026; 32.70% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $1.9M
- New vehicle loans: $857K
- Other unsecured loans and lines of credit: $616K
- 1- to 4-family residential and other consumer real estate loans: $449K
- Other secured non-real estate loans and lines of credit: $426K
- Unsecured credit card loans: $280K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $16.1M | 16.42% | 0.03% | 1.65% | 32.76% |
| March 31, 2026 | $16.0M | 16.10% | 0.60% | -0.33% | 32.92% |
| December 31, 2025 | $16.0M | 16.21% | 0.59% | 0.85% | 33.06% |
| September 30, 2025 | $15.9M | 16.15% | 0.60% | 0.77% | 33.28% |
| June 30, 2025 | $16.1M | 15.78% | 0.65% | 0.87% | 32.70% |
| March 31, 2025 | $16.3M | 15.40% | 0.75% | -0.41% | 31.92% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 61926) · FFIEC NIC profile (RSSD 730491)
Frequently asked questions
Is Alcose Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Alcose Credit Union's net worth ratio is 16.42%, above the 7% NCUA threshold for well capitalized.
Is Alcose Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Alcose Credit Union is a federally insured credit union (NCUA charter 61926): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Alcose Credit Union's key safety ratios?
For Q2 2026, Alcose Credit Union reports net worth 16.42%, delinquency 0.03%, ROA 1.65%, loan-to-share 32.76%.
What happens to my money if Alcose Credit Union fails?
For Q2 2026, Alcose Credit Union held $13.7M in shares and deposits for 2,018 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.