Federal credit union · Fillmore, New York · NCUA charter #22883
Allegany First
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $25.4M
- Total assets
- 2,147
- Members
- 14.2%
- Net-worth ratio
Allegany First scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $25.4M; members 2,147; net-worth ratio 14.23%; health rank #2,715 of 4,374; healthier than 36th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,715 of 4,374 health · 2025Q4Allegany First · health 80/100 · $25.4M · 2025Q4
- RANK 80/100
- PHOTO 14.2%
- BOOK 1.10%
- CHARTER 2.34%
- NCUSIF $25.4M
- CAMELS 2,147
- HEALTH #2,715/4,374
- NW Worcester Police Department
- DELQ 22883
Call Report peers
Allegany First in the assets neighbourhood
Allegany First's $25.4M assets sit next to Worcester Police Department ($25.4M) 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.
Allegany First 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
80 36th percentile higher than 36% 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
Allegany First - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #22883, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Where Allegany First diverges from peer averages
- Return on Assets leads the peer set - 2.34% here, 0.70% peer average (+1.63 pp).
- Largest lag: Loan-to-Share Ratio at 32.28% vs peer 59.80% (-27.52 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for Allegany First
- New York health ordinal: #153 of 272.
- New York assets place: #170 of 272.
- Member book place in New York: #170 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.
Allegany First Call Report trajectory
Allegany First: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.6% from $25.4M (2025Q4) to $25.6M (2026Q1).
- Net-worth ratio shifted +0.38 pp (13.85% → 14.23%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 14.23%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.3 pts
- Return on Assets 15.0 pts
- Member Growth 7.1 pts
- Loan-to-Share Ratio 8.6 pts
Call Report ratios for Allegany First
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.23% | -0.63 pp |
| Delinquency Rate | 1.10% | -0.05 pp |
| Return on Assets | 2.34% | +1.63 pp |
| Member Growth | -1.06% | - |
| Loan-to-Share Ratio | 32.28% | -27.52 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).
Allegany First quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.6M | - |
| 2025Q4 | $25.4M | 2,147 |
| 2024Q4 | $24.1M | 2,170 |
| 2023Q4 | $23.0M | 2,189 |
Credit Union Details
- Charter Number
- 22883
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- Fillmore
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Allegany First runs one office.
| Office | City |
|---|---|
| Allegany First FCU (Main Office) | Fillmore, 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.
Cross-state Call Report peers for Allegany First
Cross-state asset and health neighbours for Allegany First - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($25.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- Allegany First ranks #2,715 of 4,374 nationally on financial health and #153 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ny Firefighters Bravest is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ny Firefighters Bravest
- 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 Allegany First financially healthy?
Yes/no aside, the number is 80/100 (Excellent) - Allegany First'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 #2,715 of 4,374; by total assets it ranks #2,983 of 4,374 nationally (same basis as /rankings/largest); and #170 of 272 within New York. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.23% net worth ratio and 1.10% delinquency rate are the key drivers.
How does Allegany First compare to other credit unions?
PlainCU's health composite puts Allegany First at 80/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Allegany First?
Allegany First 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 Allegany First directly for the exact boundaries and application steps.
Is my money safe at Allegany First?
Federal credit unions like Allegany First 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. Allegany First's net worth ratio of 14.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Allegany First offer compared to banks?
Credit unions like Allegany First 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 Allegany First 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.