Allegacy Federal Credit Union Winston Salem, North Carolina
Allegacy Federal Credit Union is a federal credit union headquartered in Winston Salem, NC, established in 1967 (NCUA charter 24438), and it is regulated and insured by the NCUA. At Q2 2026 it reported 187,784 members and total assets of $2.59B (up 6.9% from Q2 2025), the 5th largest of 56 credit unions headquartered in North Carolina. Its net worth ratio was 11.44% at Q2 2026, in the well capitalized band.
Also written as Allegacy FCU · Trade name filed with the NCUA: FAMCA
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24438
- Headquarters
- Winston Salem, NC
- Established
- 1967
- Total assets, Q2 2026
- $2.59B
- Assets vs Q2 2025
- +6.9%
- Members, Q2 2026
- 187,784
- Net worth ratio, Q2 2026
- 11.44%
- Latest call report
- Q2 2026, NCUA 5300 · Allegacy Federal Credit Union call report
- Asset rank in state
- 5th of 56 in North Carolina
- Routing number
- 253177887
- Branches
- 29
It has 7,839 more members than on June 30, 2025 (+4.4%). Its net worth ratio was up 0.17 percentage points from 11.27% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $873.5M of $2.07B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.65% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 11.44% net worth ratio is above that band's 10.89% median.
Frequently asked about Allegacy Federal Credit Union
How big is Allegacy Federal Credit Union?
At Q2 2026 it reported total assets of $2.59B and 187,784 members.
Where is Allegacy Federal Credit Union headquartered?
It is headquartered in Winston Salem, NC, United States.
When was Allegacy Federal Credit Union founded?
It was established in 1967, per NCUA records.
Is Allegacy Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24438): 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 Allegacy Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Allegacy Federal Credit Union well capitalized?
Its net worth ratio was 11.44% 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 Allegacy Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.65% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Allegacy Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 93.59% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Winston Salem, NC 27103
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1967
- NCUA Charter #
- 24438
- RSSD ID
- 228596
- Members
- 187,784
- Potential members
- 2,678,963
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 11.44% | 10.89% | 58th above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.77% | 0.89% | 40th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 6.75% | 8.07% | 38th below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.50% | 3.45% | 54th above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 82.99% | 70.59% | under 10th bottom |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.79% | 1.68% | 41st below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.65% | 0.68% | 54th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.29% | 5.12% | 63rd position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 93.59% | 88.03% | 69th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.59B total assets against $2.42B; $2.21B total shares and deposits against $2.07B; $2.07B total loans against $1.93B.
$296.4M net worth against $273.2M.
11.44% net worth ratio against 11.27%.
93.59% loan-to-share ratio against 93.39%.
0.65% delinquency ratio against 0.65%.
0.77% return on assets against 0.77%; 6.75% return on equity against 6.81%.
3.50% net interest margin against 3.61%.
187,784 members against 179,945.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.44% | 0.77% | 0.65% | 93.59% |
| March 31, 2026 | 11.34% | 1.43% | 0.52% | 91.60% |
| December 31, 2025 | 11.39% | 0.73% | 1.13% | 94.99% |
| September 30, 2025 | 11.53% | 0.75% | 0.98% | 95.25% |
| June 30, 2025 | 11.27% | 0.77% | 0.65% | 93.39% |
| March 31, 2025 | 11.01% | 0.56% | 0.52% | 89.98% |
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.