AFGM ENTERPRISES
Charter #15618 · Cheektowaga, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 25.05% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.22% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 12th percentile but its structural peers at the 34th — a 23-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | AFGM ENTERPRISES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.62M | 15th pct | 34th pct |
| Members | 1,199 | 12th pct | 34th pct |
| Net worth ratio | 25.05% | 95th pct | 80th pct |
| Return on average assets | 1.20% | 76th pct | 62th pct |
| Net interest margin | 3.84% | 49th pct | 33th pct |
| Cost of funds | 0.59% | 38th pct | 33th pct |
| Loan-to-share | 85.04% | 89th pct | 74th pct |
| Delinquency 60+ days | 1.17% | 72th pct | 66th pct |
| Net charge-off ratio | -0.22% | 5th pct | 10th pct |
| Loan growth YoY | -4.87% | 31th pct | 26th pct |
| Share growth YoY | 12.24% | 97th pct | 92th pct |
| Efficiency ratio | 69.58% | 26th pct | 33th pct |
structural peer set hash: 791789f04ca6189cbcff4487aac94a25… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.