ALCO
Wellsville, NY · Federal Credit Union · Chartered in NY
Who can join
Employer / occupational group
Members
6,820
Net Worth Ratio
13.39%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$61.3M
Peer Group 4
Members
6,820
as of latest quarter
Net Worth Ratio
13.39%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$61.3M
Total Shares
$53.0M
Total Loans
$32.0M
Net Income
$213K
Net Worth Ratio
13.39%
≥7% = Well Capitalized
Members
6,820
Return on Assets
0.35%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.71%
$226K
Loan-to-share ratio: 60.3%· healthy range 60–80%
Branch Locations
NCUAWellsville Office
2859 Lindy Ln, Wellsville, NY, 14895-9337
Monday-Wednesday 9:00 am -4:00 pm Thursday 9:00 am- 5:30 pm Friday 9:00 am-5:00 pm Sat
Friendship Office
25 W Main St, Friendship, NY, 14739
Monday-Wednesday 9:00am-4:0 0pm Thursday 9:00am-5:30pm Friday 9:00am-5:00pm
Belmont Office
32 Greenwich St, Belmont, NY, 14813
Monday- Wednesday 8:00am- 4:00 pm Thursday 8:00am-4:30pm Friday 8:00am-4:00pm
Cuba Branch
24 E Main St, Cuba, NY, 14727
M-W 9 AM to 4 PMThursday 9 AM to 5:30 PMFriday 9 AM to 5 PM
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/alco" target="_blank" rel="noopener">View ALCO on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.