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
Call Report peers
ALCO in the assets neighbourhood
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ALCO vs every NCUA-scored credit union
ALCO sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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).
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.
- One place up in New York, Finger Lakes (#66) ties at 89/100; one place down, CIRCUIT (#68) ties at 89/100.
Quarter path for ALCO
ALCO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $59.2M (2025Q4) to $61.3M (2026Q1).
- Net-worth ratio shifted -0.12 pp (13.51% → 13.39%).
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
ALCO gives up 11 points in total. Member Growth costs the most, 4.9 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is ALCO financially healthy?
ALCO has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,237 of 4,374 nationally on health and #67 of 272 in New York. Its net worth ratio is 13.39% and its delinquency rate 0.94%.
How does ALCO compare to other credit unions?
ALCO scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (63.75% vs 62.60%). Its widest shortfall is net worth ratio (13.39% vs 13.62%).
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?
ALCO 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. ALCO's net worth ratio of 13.39% 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.