Allegacy

Winston Salem, NC · 1 · Charter #24438 · www.allegacy.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$2.5B
57th percentile
Members
183,472
72th percentile
Total loans
$2.0B
63th percentile
Total shares
$2.1B
59th percentile

Profitability

Return on assets
0.90%
43th percentile
Net interest margin
3.55%
73th percentile
Efficiency ratio
64.46%
8th percentile
Non-interest income ratio
29.89%
96th percentile

Capital & Risk

Net worth ratio
11.39%
62th percentile
Delinquency rate
1.13%
21th percentile
Net charge-off rate
0.19%
86th percentile
Loan-to-share
95.11%
68th percentile

Growth

Member growth YoY
3.99%
67th percentile
Asset growth YoY
4.93%
43th percentile
Loan growth YoY
8.94%
72th percentile
Share growth YoY
6.12%
58th percentile

Operations

Members / branch
6,327
35th percentile
Assets / member
$13,508
10th percentile
Field of membership penetration
6.97%
57th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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