Allegany First

Fillmore, NY · 1 · Charter #22883 · www.alleganyfirstfcu.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
$25.4M
71th percentile
Members
2,147
69th percentile
Total loans
$7.1M
54th percentile
Total shares
$21.9M
72th percentile

Profitability

Return on assets
2.21%
93th percentile
Net interest margin
4.18%
58th percentile
Efficiency ratio
50.99%
81th percentile
Non-interest income ratio
12.66%
62th percentile

Capital & Risk

Net worth ratio
13.85%
43th percentile
Delinquency rate
1.10%
39th percentile
Net charge-off rate
0.27%
47th percentile
Loan-to-share
32.28%
14th percentile

Growth

Member growth YoY
-1.06%
54th percentile
Asset growth YoY
5.48%
76th percentile
Loan growth YoY
3.84%
75th percentile
Share growth YoY
3.63%
68th percentile

Operations

Members / branch
2,147
81th percentile
Assets / member
$11,844
70th percentile
Field of membership penetration
4.54%
16th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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