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
- RANK 82/100
- PHOTO 25.1%
- BOOK 1.29%
- CHARTER 0.66%
- NCUSIF $13.0M
- CAMELS 1,202
- HEALTH #2,367/4,374
- NW Rapides General Hospital Empl
- DELQ 15618
Call Report peers
Afgm Enterprises in the assets neighbourhood
Afgm Enterprises's $13.0M assets sit next to Rapides General Hospital Empl ($13.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Afgm Enterprises vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Afgm Enterprises - Share Insurance Coverage
Charter #15618's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Afgm Enterprises: 2025Q4 → 2026Q1
Afgm Enterprises: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.1% from $13.0M (2025Q4) to $13.6M (2026Q1).
- Net-worth ratio shifted -0.97 pp (26.02% → 25.05%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for Afgm Enterprises - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($13.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Afgm Enterprises financially healthy?
Yes/no aside, the number is 82/100 (Excellent) - Afgm Enterprises's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,367 of 4,374; by total assets it ranks #3,412 of 4,374 nationally (same basis as /rankings/largest); and #201 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 25.05% net worth ratio and 1.29% delinquency rate are the key drivers.
How does Afgm Enterprises compare to other credit unions?
82/100 is Afgm Enterprises's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Afgm Enterprises are 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."
What rates does Afgm Enterprises offer compared to banks?
Credit unions like Afgm Enterprises are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Afgm Enterprises directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.