Addressing your liquidity needs through the Power of Cooperation.
By Bill Paton, Vice President, Director, Capital Markets, Alloya Corporate FCU
There’s much to love about credit unions. With people and purpose always at the core, credit unions need to offer 
competitive solutions that are thoughtfully designed to improve the financial well-being of members. Recognizing that the Power of Cooperation is unbeatable and that a new kind of partner was needed to help small credit unions thrive while offering the largest credit unions complex and revolutionary new products, forward-thinking leaders joined together and built Alloya 15 years ago.
One of those key solutions is liquidity. Alloya is the only institution that can help credit unions access lines of credit, loans (both overnight and term), emergency liquidity, non-member deposit issuance, loan participations, subordinated debt issuance, sale-leaseback transactions and the global capital markets via securitization – all under one roof.
This puts Alloya at the forefront of capital markets solutions.
- As the leading provider, Alloya completed over 6,000 line-of-credit advances in 2025, providing credit unions billions of dollars in funding. We provide lines ranging from $10,000 to over $500 million.
- Since the inception of Alloya’s Loan Participation Program, we’ve supported over 700 transactions with nearly $5 billion in total volume.
- Last year alone, credit unions raised over $1.61 billion with Alloya’s certificate issuance program.
- In 2025, Alloya’s industry-best Loan Participation Platform exceeded $3.5 billion.
- Alloya recently facilitated the credit union network’s first multi-issuer prime auto loan asset-backed securitization (ABS) in collaboration with three member credit unions.
I share these statistics and achievements to make a point: Alloya is committed to serving credit unions, and we will go the extra mile to accomplish things that no one ever has before and do it with the unparalleled excellence that credit unions deserve. What credit unions need, we will achieve together.
There is no doubt credit unions will continue to utilize the Power of Cooperation to address their liquidity needs, not by looking elsewhere for help, but by looking to one another and to the solutions that we have built together, just for times like this.
To learn more about what Alloya can offer your credit union as the leading provider of liquidity solutions, visit www.alloyacorp.org/liquidity-simplified.
About Alloya Corporate Federal Credit Union
Alloya is a leading provider of cooperative financial services to over 1,300 member credit unions and credit union entities nationally. Together, the member-owners of Alloya utilize the Power of Cooperation to access the best products and services in the industry – including liquidity, investments, digital payments and member solutions – to give each credit union a strategic advantage in the marketplace. Headquartered in Naperville, Illinois, Alloya offers unparalleled member service, a dependable and competitive line of credit, and a secure and efficient online processing platform for account management and transaction services, all of which are available to member credit unions with or without a capital contribution. In addition to the support Alloya provides its membership, the corporate supports multiple credit union leagues and associations throughout the country and gives back to local communities nationwide by making a variety of charitable donations. Visit www.alloyacorp.org to learn more.
Bill Paton, Vice President, Director, Capital Markets, Alloya Corporate FCU
As Alloya’s Capital Markets Director, Bill Paton oversees the corporate’s capital markets products, programs and sales teams, including loan participations, subordinated debt, marketable securities, certificates of deposits and more, to support the liquidity, investment and capital needs of every credit union.
