Clinton, New York · Peer group 5
Access Credit Union
Access Credit Union holds $317.0M in assets across 23,162 members as of Q1 2026 — about $14K of assets per member, on a charter dating to 1947. Charter number 5579, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $317.0M |
|---|---|
| Total loans | $152.4M |
| Total shares (deposits) | $286.0M |
| Net worth | $29.0M |
| Members | 23,162 |
| Assets per member | $14K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 10.7% | |
|---|---|---|
| Loans | 3.6% | around the 56th percentile of its peer group |
| Deposits | 10.6% | higher than 94% of its peer group |
| Members | 0.0% | around the 54th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 53.3% | around the 15th percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.2% | around the 16th percentile of its peer group |
| Return on assets | 1.36% | around the 85th percentile of its peer group |
| Delinquency ratio | 0.65% | around the 54th percentile of its peer group |
| Cash / assets | 12.7% | around the 68th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Access Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within New York — the comparison set a peer ratio is measured against.
- Secny Credit Union
SYRACUSE, NY
$318.0M · 15,923 members
- Dannemora Credit Union
PLATTSBURGH, NY
$319.7M · 22,682 members
- People's Alliance Credit Union
Hauppauge, NY
$326.7M · 32,519 members
- Actors Credit Union
NEW YORK, NY
$334.8M · 30,768 members
- Nassau Financial Credit Union
East Meadow, NY
$336.4M · 14,275 members
- Family First of Ny Credit Union
ROCHESTER, NY
$340.2M · 15,381 members
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