ALCO Credit Union Profile

Showing details for ALCO Credit Union.

Home > NY > ALCO

ALCO

Charter #8975 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (585) 593-4959

Fax: (585) 593-4197

Founding Date: N/A

Website: https://www.alcofcu.com

Personnel & Operations

President: STELLRECT, EARL

Manager: MILLER, MICHAEL

FT Employees: 22

PT Employees: 3

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 4

Hours: Monday-Wednesday 9:00 am -4:00 pm Thursda

Credit Union Profile Summary

ALCO is a FCU Credit Union. With a total of 6,773 members [1], this institution manages approximately $59,402,983 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 12.83% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 1.62% [1].

Financial Snapshot

Total Assets [1]
$59,402,983

Total economic resources.

Total Loans [1]
$32,853,161

Total value of outstanding loans.

Total Deposits [1]
$51,796,380

Total funds deposited by members.

Members [1]
6,773

Number of active members.

Performance Ratios

Net Worth Ratio [1]
12.83%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.07%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
63.43%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 7.17%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 1.62%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 1.79%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

2859 Lindy Ln

Wellsville, NY, 14895-9337
Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

No approved reviews yet. Be the first to rate this Credit Union!

Branch Locations

Found 4 branches reported by ALCO (Charter #8975).

Main Office

Wellsville Office Main Office

Type: Corporate Office

2859 Lindy Ln

Wellsville, NY 14895-9337

Phone: (585) 593-4959

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Belmont

Belmont Office

Type: Branch Office

32 Greenwich St

Belmont, NY 14813

Phone: (585) 268-7835

Services: Member Services, ATM, Drive-Thru

Open in Directions

Cuba

Cuba Branch

Type: Branch Office

24 E Main St

Cuba, NY 14727

Phone: (585) 968-2760

Services: Member Services, ATM, Drive-Thru

Open in Directions

Friendship

Friendship Office

Type: Branch Office

25 W Main St

Friendship, NY 14739

Phone: (585) 973-2300

Services: Member Services, ATM, Drive-Thru

Open in Directions