Afgm Enterprises

Cheektowaga, NY · 1 · Charter #15618 · www.afgmentfcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$13.0M
49th percentile
Members
1,202
43th percentile
Total loans
$8.8M
61th percentile
Total shares
$9.6M
46th percentile

Profitability

Return on assets
0.94%
56th percentile
Net interest margin
3.86%
45th percentile
Efficiency ratio
65.63%
53th percentile
Non-interest income ratio
3.09%
24th percentile

Capital & Risk

Net worth ratio
26.02%
88th percentile
Delinquency rate
1.29%
35th percentile
Net charge-off rate
-0.15%
96th percentile
Loan-to-share
91.69%
89th percentile

Growth

Member growth YoY
-2.20%
41th percentile
Asset growth YoY
3.15%
63th percentile
Loan growth YoY
-15.70%
10th percentile
Share growth YoY
2.27%
60th percentile

Operations

Members / branch
1,202
54th percentile
Assets / member
$10,779
63th percentile
Field of membership penetration
60.10%
77th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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