Allegany First
Fillmore, NY · Charter 22883 · Peer group: credit unions under $1B in assets in NY (n=59)
NCUA · 1 branch
Q2 2026
$27.1MAssets
$7.3MLoans
$23.3MShares
$3.8MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 90% of credit unions under $1B in assets in NY (rank 6 of 59).
- Widest gap: nonperforming loans / loans trails 63% of credit unions under $1B in assets in NY (rank 38 of 59).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
1.73%
Rank 6 of 59
Net Interest Margin
3.66%
Rank 30 of 59
Efficiency Ratio
58.76%
Rank 9 of 59
Equity / Assets
13.91%
Rank 25 of 59
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.73% | 0.28% | 1.01% | 1.42% | Beats 90% | 6 / 59 | |
| Return on Equity | 12.41% | 2.31% | 7.92% | 10.52% | Beats 88% | 7 / 59 | |
| Net Interest Margin | 3.66% | 3.24% | 3.66% | 4.04% | Beats 49% | 30 / 59 | |
| Efficiency Ratio | 58.76% | 63.53% | 74.15% | 82.44% | Beats 86% | 9 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.07% | 0.32% | 0.68% | 1.20% | Beats 37% | 38 / 59 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.91% | 10.94% | 13.05% | 16.06% | Beats 58% | 25 / 59 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.91% | 10.94% | 13.05% | 16.06% | Beats 58% | 25 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 31.46% | 40.49% | 57.59% | 78.86% | 17th pctl | 49 / 59 | |
| Loans / Assets | 27.00% | 33.06% | 50.92% | 63.03% | 17th pctl | 49 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |