Credit Union Safety Analysis
Is Allegacy Federal Credit Union Safe? Winston Salem, North Carolina
Based on its Q2 2026 NCUA 5300 call report, Allegacy Federal Credit Union has a net worth ratio of 11.44%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.65%, 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, Allegacy Federal Credit Union's net worth ratio is 11.44%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.44%
- Delinquency ratio (60+ days) (Q2 2026): 0.65%
- Return on assets (Q2 2026): 0.77%
- Loan-to-share ratio (Q2 2026): 93.59%
Allegacy Federal Credit Union (NCUA charter 24438, established 1967) reported $2.59B in assets and 187,784 members for Q2 2026 from Winston Salem, North Carolina. It ranks 5 of 56 credit unions in North Carolina by total assets. Total assets grew 6.9% from $2.42B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 11.34% for Q1 2026; 11.27% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.52% for Q1 2026; 0.65% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.43% for Q1 2026; 0.77% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 91.60% for Q1 2026; 93.39% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $873.5M
- Commercial loans: $554.4M
- Used vehicle loans: $410.4M
- New vehicle loans: $153.6M
- Unsecured credit card loans: $40.1M
- Other unsecured loans and lines of credit: $30.4M
- Other secured non-real estate loans and lines of credit: $3.7M
- Non-federally guaranteed student loans: $654K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $2.59B | 11.44% | 0.65% | 0.77% | 93.59% |
| March 31, 2026 | $2.57B | 11.34% | 0.52% | 1.43% | 91.60% |
| December 31, 2025 | $2.48B | 11.39% | 1.13% | 0.73% | 94.99% |
| September 30, 2025 | $2.41B | 11.53% | 0.98% | 0.75% | 95.25% |
| June 30, 2025 | $2.42B | 11.27% | 0.65% | 0.77% | 93.39% |
| March 31, 2025 | $2.44B | 11.01% | 0.52% | 0.56% | 89.98% |
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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.
Allegacy Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24438) · FFIEC NIC profile (RSSD 228596)
Frequently asked questions
Is Allegacy Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Allegacy Federal Credit Union's net worth ratio is 11.44%, above the 7% NCUA threshold for well capitalized.
Is Allegacy Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Allegacy Federal Credit Union is a federally insured credit union (NCUA charter 24438): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Allegacy Federal Credit Union's key safety ratios?
For Q2 2026, Allegacy Federal Credit Union reports net worth 11.44%, delinquency 0.65%, ROA 0.77%, loan-to-share 93.59%.
What happens to my money if Allegacy Federal Credit Union fails?
For Q2 2026, Allegacy Federal Credit Union held $2.21B in shares and deposits for 187,784 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.