Side-by-side · Q2 2026 data
Alco Federal Credit Union vs Allegany First Federal Credit Union
Credit union
Allegany First Federal Credit Union
Fillmore, New York · Under $100 million in assets
Metric by metric
| Measure | Alco Federal Credit Union | Allegany First Federal Credit Union |
|---|---|---|
| TellerScore | 83 | 85 (stronger) |
| Capital cushion | 87 | 89 (stronger) |
| Loan quality | 68 (stronger) | 65 |
| Earnings | 78 | 89 (stronger) |
| Funding & liquidity | 99 | 100 (stronger) |
| Problem-loan coverage | 93 | 96 (stronger) |
| Peer percentile | 72nd | 77th |
| Total assets | $61.5M | $27.1M |
| Deposits / shares | $53.0M | $23.3M |
| Capital ratio | 13.74% | 13.91% (stronger) |
| Problem loans | 0.95% (stronger) | 1.06% |
| Net charge-offs | 0.21% | 0.14% (stronger) |
| Return on assets | 1.44% | 1.73% (stronger) |
| Loans ÷ deposits | 61.5% | 31.5% (stronger) |
| Uninsured deposits | 1.6% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Allegany First Federal Credit Union has the higher TellerScore (85 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Alco Federal Credit Union leads on 1 and Allegany First Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.