TellerScore

Allegany First Federal Credit Union (NCUA charter #22883) is based in Fillmore, New York. Its Q2 2026 call report shows $27.1M in total assets and $23.3M in member shares and deposits and 1 office.

Allegany First Federal Credit Union has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 77% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 50th. Funding & liquidity contributes the most (100/100, 31% loans-to-deposits, 0% uninsured); loan quality contributes the least (65/100, 1.06%).

TellerScore · Q2 2026

Scorecard

Capital cushion89/100
Net worth ratio: 13.91%
Loan quality65/100
Loans 60+ days delinquent ÷ total loans: 1.06%
Earnings89/100
Return on assets (annualized): 1.73%
Funding & liquidity100/100
Loans ÷ shares: 31.5% · 0.0% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.06%

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 fell 8 points (93 → 85), mostly because the loan quality component weakened by 34 points.

TellerScore
808997Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202486
Q4 202488
Q1 202582
Q2 202593
Q3 202597
Q4 202587
Q1 202685
Q2 202685
Net worth ratio
7.00%10.62%14.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.94%
Q3 202411.59%
Q4 202412.30%
Q1 202512.42%
Q2 202512.75%
Q3 202514.10%
Q4 202513.85%
Q1 202614.23%
Q2 202613.91%
Delinquent loans (60+ days)
0.02%0.61%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.86%
Q3 20240.39%
Q4 20240.47%
Q1 20251.20%
Q2 20250.02%
Q3 20250.06%
Q4 20251.10%
Q1 20261.08%
Q2 20261.06%
Return on assets
1.55%2.06%2.57%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.57%
Q3 20242.52%
Q4 20242.47%
Q1 20252.27%
Q2 20252.28%
Q3 20252.32%
Q4 20252.19%
Q1 20261.55%
Q2 20261.73%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202685$27.1M13.91%1.06%1.73%31.5%
Q1 202685$25.6M14.23%1.08%1.55%32.6%
Q4 202587$25.4M13.85%1.10%2.19%32.3%
Q3 202597$24.0M14.10%0.06%2.32%35.6%
Q2 202593$25.5M12.75%0.02%2.28%32.8%
Q1 202582$25.0M12.42%1.20%2.27%31.4%
Q4 202488$24.1M12.30%0.47%2.47%32.2%
Q3 202486$24.4M11.59%0.39%2.52%32.2%
Q2 202480$24.5M10.94%0.86%2.57%31.9%

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 ratio13.91%
47th
Problem loans1.06%
37th
Net charge-offs0.14%
54th
Return on assets1.73%
90th
Loans to deposits31.5%
87th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio2.1%
52nd

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Deposit insurance

Is my money safe at Allegany First Federal Credit Union?

Yes. Allegany First Federal Credit Union is a federally insured credit union (NCUA charter #22883). 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 0.0% of shares and deposits ($0) 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 13.91%, 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

Allegany First Federal Credit Union lists 1 office in 1 city. Most locations:

  • Fillmore, NY (1)

All branch addresses and map

Identity & history

Profile

Legal name
Allegany First Federal Credit Union
Type
Federal credit union
NCUA charter #
22883
RSSD ID
108184
Primary regulator
NCUA
Established
1977
Headquarters
PO Box 300, Fillmore, NY 14735
Employees
4

Quick answers

Allegany First Federal Credit Union: common questions

Is Allegany First Federal Credit Union NCUA insured?

Yes. Allegany First Federal Credit Union is a federally insured credit union (NCUA charter #22883). 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 Allegany First Federal Credit Union's TellerScore?

85 out of 100 (Very 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 Allegany First Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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