Federal credit union · Cheektowaga, New York · NCUA charter #15618
Afgm Enterprises
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $13.0M
- Total assets
- 1,202
- Members
- 25.1%
- Net-worth ratio
Afgm Enterprises scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.0M; members 1,202; net-worth ratio 25.05%; health rank #2,367 of 4,374; healthier than 43rd of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,367 of 4,374 health · 2025Q4Afgm Enterprises · health 82/100 · $13.0M · 2025Q4
Call Report peers
Afgm Enterprises in the assets neighbourhood
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Afgm Enterprises vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Afgm Enterprises sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Afgm Enterprises: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 91.69% vs peer 59.80% (+31.89 pp).
- Widest shortfall vs peers is Delinquency Rate: +0.15 pp (1.29% vs 1.15%).
Afgm Enterprises: in-state Call Report ranks
- In New York, health place is #133 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #201 of 272.
- Member book place in New York: #210 of 272.
- One place up in New York, CADETS (#132) scores 83/100, 1 point higher; one place down, Greater Woodlawn (#134) ties at 82/100.
Afgm Enterprises: 2025Q4 → 2026Q1
Afgm Enterprises: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.1% from $13.0M (2025Q4) to $13.6M (2026Q1).
- Net-worth ratio shifted -0.97 pp (26.02% → 25.05%).
This credit union's 25.05% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 82/100 score is built
Afgm Enterprises gives up 18 points in total. Member Growth costs the most, 10 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.8 pts
- Return on Assets 15.0 pts
- Member Growth 5.0 pts
- Loan-to-Share Ratio 14.2 pts
Call Report ratios for Afgm Enterprises
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 25.05% | +10.19 pp |
| Delinquency Rate | 1.29% | +0.15 pp |
| Return on Assets | 0.66% | -0.05 pp |
| Member Growth | -2.20% | - |
| Loan-to-Share Ratio | 91.69% | +31.89 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Afgm Enterprises filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.6M | - |
| 2025Q4 | $13.0M | 1,202 |
| 2024Q4 | $12.6M | 1,229 |
| 2023Q4 | $12.2M | 1,236 |
Credit Union Details
- Charter Number
- 15618
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- Cheektowaga
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Afgm Enterprises runs one office.
| Office | City |
|---|---|
| MAIN Office (Main Office) | Cheektowaga, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Other-state peers near Afgm Enterprises
Using this data
- Afgm Enterprises ranks #2,367 of 4,374 nationally on financial health and #133 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Transfiguration Parish is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Transfiguration Parish
Frequently Asked Questions
Is Afgm Enterprises financially healthy?
Afgm Enterprises has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,367 of 4,374 nationally on health and #133 of 272 in New York. Its net worth ratio is 25.05% and its delinquency rate 1.29%.
How does Afgm Enterprises compare to other credit unions?
Afgm Enterprises scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (91.69% vs 59.80%). Its widest shortfall is delinquency rate (1.29% vs 1.15%).
How can I join Afgm Enterprises?
Afgm Enterprises operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Afgm Enterprises directly for the exact boundaries and application steps.
Is my money safe at Afgm Enterprises?
Afgm Enterprises is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Afgm Enterprises's net worth ratio of 25.05% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.