TellerScore

Headquartered in Cheektowaga, New York, Afgm Enterprises Federal Credit Union is a federal credit union with $13.4M in total assets and $9.9M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1963.

Afgm Enterprises Federal Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 99th. Capital cushion contributes the most (100/100, 25.65%); earnings contributes the least (54/100, 0.84%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 25.65%
Loan quality61/100
Loans 60+ days delinquent ÷ total loans: 1.16%
Earnings54/100
Return on assets (annualized): 0.84%
Funding & liquidity73/100
Loans ÷ shares: 87.2% · 1.6% uninsured
Problem-loan coverage94/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.92%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (73 → 76), mostly because the earnings component weakened by 30 points.

TellerScore
707681Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202470
Q4 202478
Q1 202575
Q2 202573
Q3 202574
Q4 202572
Q1 202679
Q2 202676
Net worth ratio
7.00%16.95%26.89%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202426.24%
Q3 202426.15%
Q4 202425.52%
Q1 202525.54%
Q2 202525.98%
Q3 202526.89%
Q4 202526.02%
Q1 202625.05%
Q2 202625.65%
Delinquent loans (60+ days)
0.47%1.21%1.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.64%
Q3 20241.53%
Q4 20240.47%
Q1 20251.59%
Q2 20251.95%
Q3 20251.73%
Q4 20251.29%
Q1 20261.17%
Q2 20261.16%
Return on assets
0.53%1.07%1.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.27%
Q3 20240.84%
Q4 20240.68%
Q1 20251.50%
Q2 20251.60%
Q3 20251.46%
Q4 20250.53%
Q1 20261.17%
Q2 20260.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$13.4M25.65%1.16%0.84%87.2%
Q1 202679$13.6M25.05%1.17%1.17%85.0%
Q4 202572$13.0M26.02%1.29%0.53%91.7%
Q3 202574$12.4M26.89%1.73%1.46%100.3%
Q2 202573$12.7M25.98%1.95%1.60%102.2%
Q1 202575$12.7M25.54%1.59%1.50%105.3%
Q4 202478$12.6M25.52%0.47%0.68%111.2%
Q3 202470$12.3M26.15%1.53%0.84%119.6%
Q2 202481$12.2M26.24%0.64%1.27%123.5%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio25.65%
90th
Problem loans1.16%
35th
Net charge-offs-0.13%
95th
Return on assets0.84%
60th
Loans to deposits87.2%
11th
Uninsured deposits1.6%
48th
Loan-loss reserves0.00%
37th
Texas ratio2.9%
43rd

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Deposit insurance

Is my money safe at Afgm Enterprises Federal Credit Union?

Yes. Afgm Enterprises Federal Credit Union is a federally insured credit union (NCUA charter #15618). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 1.6% of shares and deposits ($162K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 25.65%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Afgm Enterprises Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Afgm Enterprises Federal Credit Union
Type
Federal credit union
NCUA charter #
15618
RSSD ID
529181
Primary regulator
NCUA
Established
1963
Headquarters
132 Cayuga Rd, Cheektowaga, NY 14225
Employees
4

Quick answers

Afgm Enterprises Federal Credit Union: common questions

Is Afgm Enterprises Federal Credit Union NCUA insured?

Yes. Afgm Enterprises Federal Credit Union is a federally insured credit union (NCUA charter #15618). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Afgm Enterprises Federal Credit Union's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Afgm Enterprises Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Cheektowaga

InstitutionScoreAssetsCapitalProblem loansCompare
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Greater Woodlawn Federal Credit UnionCredit union Blasdell, NY96 out of 100, Very strong$168.4M23.9%0.12%vs
Crossroads Community Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$96.9M15.3%0.18%vs
Town of Cheektowaga Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$38.1M17.2%0.00%vs
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