Fillmore, New York · Peer group 3
Allegany First Credit Union
Allegany First Credit Union holds $25.6M in assets across 2,156 members as of Q1 2026 — about $12K of assets per member, on a charter dating to 1977. Charter number 22883, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $25.6M |
|---|---|
| Total loans | $7.1M |
| Total shares (deposits) | $21.9M |
| Net worth | $3.6M |
| Members | 2,156 |
| Assets per member | $12K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 2.2% | |
|---|---|---|
| Loans | 4.2% | around the 78th percentile of its peer group |
| Deposits | 0.1% | around the 42nd percentile of its peer group |
| Members | -0.7% | around the 57th 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 | 32.6% | around the 12th percentile of its peer group |
|---|---|---|
| Net worth ratio | 14.2% | around the 54th percentile of its peer group |
| Return on assets | 1.55% | around the 87th percentile of its peer group |
| Delinquency ratio | 1.08% | around the 70th percentile of its peer group |
| Cash / assets | 46.2% | higher than 100% of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Allegany First 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.
- Westside Community Credit Union
CHURCHVILLE, NY
$25.3M · 1,849 members
- U. H. S. Employees Credit Union
Johnson City, NY
$25.0M · 3,059 members
- Ny Firefighters Bravest Credit Union
albany, NY
$24.7M · 4,744 members
- Lockport Schools & Community Credit Union
LOCKPORT, NY
$26.4M · 1,689 members
- District #6 Credit Union
Hornell, NY
$24.7M · 1,707 members
- Encompass Niagara Credit Union
Niagara Falls, NY
$24.1M · 2,758 members
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