ALCO
Charter #8975 · Wellsville, NY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.41% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.43% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.14% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 37th percentile but its structural peers at the 16th — a 21-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 | ALCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $61.33M | 28th pct | 38th pct |
| Members | 6,820 | 77th pct | 66th pct |
| Net worth ratio | 13.39% | 56th pct | 67th pct |
| Return on average assets | 1.41% | 82th pct | 80th pct |
| Net interest margin | 4.43% | 86th pct | 89th pct |
| Cost of funds | 0.60% | 27th pct | 33th pct |
| Loan-to-share | 60.28% | 49th pct | 44th pct |
| Delinquency 60+ days | 0.98% | 71th pct | 67th pct |
| Net charge-off ratio | 0.14% | 37th pct | 16th pct |
| Loan growth YoY | -3.42% | 32th pct | 25th pct |
| Share growth YoY | 3.30% | 56th pct | 39th pct |
| Efficiency ratio | 76.11% | 39th pct | 30th pct |
structural peer set hash: 4761e989f8281024c343ec48ca39d1c9… (reproducible)
Closest structural peers
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Claim ALCO
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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.