Headquartered in Wellsville, New York, Alco Federal Credit Union is a federal credit union with $61.5M in total assets and $53.0M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1953.
Alco Federal Credit Union has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 61st. Funding & liquidity contributes the most (99/100, 61% loans-to-deposits, 2% uninsured); loan quality contributes the least (68/100, 0.95%).
TellerScore · Q2 2026
Scorecard
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 14 points (69 → 83), mostly because the loan quality component improved by 27 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 85 |
| Q3 2024 | 81 |
| Q4 2024 | 83 |
| Q1 2025 | 78 |
| Q2 2025 | 69 |
| Q3 2025 | 77 |
| Q4 2025 | 80 |
| Q1 2026 | 81 |
| Q2 2026 | 83 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.56% |
| Q3 2024 | 12.93% |
| Q4 2024 | 13.12% |
| Q1 2025 | 12.91% |
| Q2 2025 | 12.83% |
| Q3 2025 | 13.15% |
| Q4 2025 | 13.51% |
| Q1 2026 | 13.39% |
| Q2 2026 | 13.74% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.24% |
| Q3 2024 | 0.81% |
| Q4 2024 | 0.61% |
| Q1 2025 | 0.99% |
| Q2 2025 | 1.78% |
| Q3 2025 | 1.04% |
| Q4 2025 | 0.94% |
| Q1 2026 | 0.98% |
| Q2 2026 | 0.95% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.46% |
| Q3 2024 | 1.45% |
| Q4 2024 | 1.36% |
| Q1 2025 | 1.26% |
| Q2 2025 | 1.04% |
| Q3 2025 | 1.10% |
| Q4 2025 | 1.16% |
| Q1 2026 | 1.39% |
| Q2 2026 | 1.44% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $61.5M | 13.74% | 0.95% | 1.44% | 61.5% |
| Q1 2026 | 81 | $61.3M | 13.39% | 0.98% | 1.39% | 60.3% |
| Q4 2025 | 80 | $59.2M | 13.51% | 0.94% | 1.16% | 63.7% |
| Q3 2025 | 77 | $59.3M | 13.15% | 1.04% | 1.10% | 64.5% |
| Q2 2025 | 69 | $59.4M | 12.83% | 1.78% | 1.04% | 63.4% |
| Q1 2025 | 78 | $58.0M | 12.91% | 0.99% | 1.26% | 64.2% |
| Q4 2024 | 83 | $55.7M | 13.12% | 0.61% | 1.36% | 67.4% |
| Q3 2024 | 81 | $55.3M | 12.93% | 0.81% | 1.45% | 67.9% |
| Q2 2024 | 85 | $55.4M | 12.56% | 0.24% | 1.46% | 67.0% |
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).
Similar-size credit unions in New York
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| C C S E Federal Credit UnionCredit union Salamanca, NY | 78 out of 100, Strong | $61.1M | 10.9% | 0.37% | vs |
| Buffalo Conrail Federal Credit UnionCredit union Cheektowaga, NY | 91 out of 100, Very strong | $61.0M | 22.3% | 0.17% | vs |
| Mohawk Valley Federal Credit UnionCredit union Marcy, NY | 80 out of 100, Strong | $61.9M | 12.9% | 0.86% | vs |
| Morton Lane Federal Credit UnionCredit union Buffalo, NY | 72 out of 100, Strong | $62.8M | 12.8% | 0.89% | vs |
| Remington Federal Credit UnionCredit union Ilion, NY | 88 out of 100, Very strong | $59.9M | 15.1% | 0.76% | vs |
| Rt Federal Credit UnionCredit union Rome, NY | 63 out of 100, Moderate | $59.2M | 10.6% | 0.49% | vs |
Deposit insurance
Is my money safe at Alco Federal Credit Union?
Yes. Alco Federal Credit Union is a federally insured credit union (NCUA charter #8975). 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 ($839K) 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 13.74%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
4 locations
Branches
Alco Federal Credit Union lists 4 offices in 4 cities. Most locations:
- Belmont, NY (1)
- Cuba, NY (1)
- Friendship, NY (1)
- Wellsville, NY (1)
Identity & history
Profile
- Legal name
- Alco Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 8975
- RSSD ID
- 148180
- Primary regulator
- NCUA
- Established
- 1953
- Headquarters
- 2859 Lindy Lane, Wellsville, NY 14895
- Employees
- 26
Quick answers
Alco Federal Credit Union: common questions
Is Alco Federal Credit Union NCUA insured?
Yes. Alco Federal Credit Union is a federally insured credit union (NCUA charter #8975). 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 Alco Federal Credit Union's TellerScore?
83 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 Alco Federal Credit Union have?
4 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Wellsville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| High Point Federal Credit UnionCredit union Olean, NY | 87 out of 100, Very strong | $430.1M | 14.3% | 0.67% | vs |
| Servu Federal Credit UnionCredit union Painted Post, NY | 86 out of 100, Very strong | $529.2M | 14.8% | 0.47% | vs |
| First Heritage Federal Credit UnionCredit union Corning, NY | 72 out of 100, Strong | $839.7M | 11.1% | 0.44% | vs |
| The Juniata Valley BankBank Mifflintown, PA | 70 out of 100, Strong | $917.9M | 8.6% | 0.05% | vs |
| Five Star BankBank Rochester, NY | 66 out of 100, Moderate | $6.3B | 10.9% | 0.82% | vs |
| Community Bank, National AssociationBank Canton, NY | 62 out of 100, Moderate | $17.4B | 7.9% | 0.50% | vs |