Alco

Wellsville, NY · 1 · Charter #8975 · www.alcofcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$59.2M
10th percentile
Members
6,782
43th percentile
Total loans
$32.5M
18th percentile
Total shares
$51.1M
12th percentile

Profitability

Return on assets
1.62%
82th percentile
Net interest margin
4.36%
85th percentile
Efficiency ratio
68.46%
31th percentile
Non-interest income ratio
28.71%
91th percentile

Capital & Risk

Net worth ratio
13.51%
65th percentile
Delinquency rate
0.94%
37th percentile
Net charge-off rate
0.52%
31th percentile
Loan-to-share
63.75%
42th percentile

Growth

Member growth YoY
0.95%
69th percentile
Asset growth YoY
6.27%
71th percentile
Loan growth YoY
0.11%
44th percentile
Share growth YoY
5.78%
70th percentile

Operations

Members / branch
1,696
13th percentile
Assets / member
$8,733
7th percentile
Field of membership penetration
2.17%
30th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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