Federal credit union · Wellsville, New York · NCUA charter #8975
ALCO
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $59.2M
- Total assets
- 6,782
- Members
- 13.4%
- Net-worth ratio
ALCO scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $59.2M; members 6,782; net-worth ratio 13.39%; health rank #1,237 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,237 of 4,374 health · 2025Q4ALCO · health 89/100 · $59.2M · 2025Q4
- RANK 89/100
- PHOTO 13.4%
- BOOK 0.94%
- CHARTER 1.28%
- NCUSIF $59.2M
- CAMELS 6,782
- HEALTH #1,237/4,374
- NW Vision Financial
- DELQ 8975
Call Report peers
ALCO in the assets neighbourhood
ALCO's $59.2M assets sit next to Vision Financial ($59.2M) 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.
ALCO 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
89 Top 31% higher than 69% 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
ALCO - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #8975. See our deposit-insurance coverage note.
Peer-gap read for ALCO
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +1.15 pp (63.75% vs 62.60%).
- Largest lag: Net Worth Ratio at 13.39% vs peer 13.62% (-0.23 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where ALCO sits in New York
- In New York, health place is #67 of 272 on the same NCUA-ratio sort used nationally.
- New York assets place: #116 of 272.
- New York membership ordinal: #93 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.
Quarter path for ALCO
ALCO: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $59.2M (2025Q4) to $61.3M (2026Q1).
- Net-worth ratio shifted -0.12 pp (13.51% → 13.39%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.39% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.6 pts
- Return on Assets 15.0 pts
- Member Growth 10.1 pts
- Loan-to-Share Ratio 13.3 pts
ALCO vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.39% | -0.23 pp |
| Delinquency Rate | 0.94% | -0.02 pp |
| Return on Assets | 1.28% | +0.62 pp |
| Member Growth | 0.95% | - |
| Loan-to-Share Ratio | 63.75% | +1.15 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
ALCO quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $61.3M | - |
| 2025Q4 | $59.2M | 6,782 |
| 2024Q4 | $55.7M | 6,718 |
| 2023Q4 | $51.4M | 6,461 |
Credit Union Details
- Charter Number
- 8975
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New York
- City
- Wellsville
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, ALCO runs 4 offices in 4 different cities.
| Office | City |
|---|---|
| Wellsville Office (Main Office) | Wellsville, NY |
| Belmont Office | Belmont, NY |
| Cuba Branch | Cuba, NY |
| Friendship Office | Friendship, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
ALCO nationwide neighbourhoods
Cross-state asset and health neighbours for ALCO - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($59.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- ALCO ranks #1,237 of 4,374 nationally on financial health and #67 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Saratoga's Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Saratoga's Community
- 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 ALCO financially healthy?
Yes/no aside, the number is 89/100 (Excellent) - ALCO'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 #1,237 of 4,374; by total assets it ranks #2,270 of 4,374 nationally (same basis as /rankings/largest); and #116 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 13.39% net worth ratio and 0.94% delinquency rate are the key drivers.
How does ALCO compare to other credit unions?
ALCO scores 89/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 ALCO?
ALCO 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 ALCO directly for the exact boundaries and application steps.
Is my money safe at ALCO?
Federal credit unions like ALCO 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. ALCO's net worth ratio of 13.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ALCO offer compared to banks?
Credit unions like ALCO 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 ALCO 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.