ALLEGANY FIRST
Charter #22883 · Fillmore, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.55% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.48% sits at the 77th percentile of structural peers — worth a closer look.
- Efficiency ratio of 61.14% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Share growth YoY, the asset-size band puts this credit union at the 84th percentile but its structural peers at the 65th — a 19-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 | ALLEGANY FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.57M | 51th pct | 43th pct |
| Members | 2,156 | 52th pct | 57th pct |
| Net worth ratio | 14.23% | 54th pct | 64th pct |
| Return on average assets | 1.55% | 87th pct | 85th pct |
| Net interest margin | 3.71% | 44th pct | 57th pct |
| Cost of funds | 0.36% | 23th pct | 26th pct |
| Loan-to-share | 32.64% | 12th pct | 28th pct |
| Delinquency 60+ days | 1.08% | 70th pct | 70th pct |
| Net charge-off ratio | 0.48% | 71th pct | 77th pct |
| Loan growth YoY | -2.23% | 52th pct | 52th pct |
| Share growth YoY | 6.49% | 84th pct | 65th pct |
| Efficiency ratio | 61.14% | 12th pct | 16th pct |
structural peer set hash: fdea0863abcb173d39738b2f1017f6c3… (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.