Amherst, New York · Peer group 3
Amherst Credit Union
Amherst Credit Union holds $42.5M in assets across 3,875 members as of Q1 2026 — about $11K of assets per member, on a charter dating to 1947. Charter number 5439, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $42.5M |
|---|---|
| Total loans | $21.7M |
| Total shares (deposits) | $38.1M |
| Net worth | $4.4M |
| Members | 3,875 |
| Assets per member | $11K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 4.7% | |
|---|---|---|
| Loans | 3.4% | around the 76th percentile of its peer group |
| Deposits | 3.8% | around the 69th percentile of its peer group |
| Members | 0.0% | around the 67th 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 | 56.9% | around the 50th percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.3% | around the 20th percentile of its peer group |
| Return on assets | 1.23% | around the 78th percentile of its peer group |
| Delinquency ratio | 0.14% | around the 25th percentile of its peer group |
| Cash / assets | 7.3% | around the 26th percentile 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 Amherst Credit Union’s own reported position. A CUSignals subscription adds the layer on top of it: how likely it is to merge, with a calibrated one-year probability; how attractive it would be to an acquirer; a liquidity-stress score and funding-need flag; whether it buys or sells loan participations; and which platforms it runs. Each score shows the plain-English reason it moved and the weights that built it.
Similar credit unions
Closest in size within New York — the comparison set a peer ratio is measured against.
- Spencerport Credit Union
Spencerport, NY
$42.7M · 4,442 members
- Solutions Credit Union
ELMIRA, NY
$43.0M · 3,386 members
- Parks Heritage Credit Union
GLENS FALLS, NY
$41.9M · 3,695 members
- Italo-American Credit Union
Glendale, NY
$40.6M · 599 members
- Westchester Schools' Credit Union
Rye Brook, NY
$40.5M · 2,751 members
- Rochester & Monroe Co Emp Credit Union
Rochester, NY
$44.6M · 4,100 members
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