ALCO
Federal • Wellsville, New York • Est. 1953
Quick Facts
- Charter Number
- #8975
- Type
- Federal
- Established
- 1953
- Headquarters
- Wellsville, New York 14895-9337
- Address
- 2859 Lindy Ln
- Branches
- 4
- ATMs
- 4
- Members
- 6,820
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
6,820 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ALCO |
|---|---|
| Total Assets | $61.3M |
| Members | 6,820 |
| Loans Outstanding | $32.0M |
| Shares & Deposits | $53.0M |
| Net Worth | $8.2M |
| Net Worth Ratio | 13.39% |
| Loan-to-Share Ratio | 60.3% |
| Delinquency Rate | 0.98% |
| Net Income | +$212,685 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
4 locations · 4 ATMs
Wellsville Office
Main Office2859 Lindy Ln
Wellsville, NY 14895-9337
Friendship Office
25 W Main St
Friendship, NY 14739
Belmont Office
32 Greenwich St
Belmont, NY 14813
Cuba Branch
24 E Main St
Cuba, NY 14727
Who Can Join ALCO?
Membership Type: Other/Unknown
Membership eligibility for ALCO may vary. Contact the credit union directly to confirm qualification requirements.
Contact ALCO directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in New York
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View New York RankingsFrequently Asked Questions
ALCO is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, ALCO has 6,820 members and a potential membership field of 312,171 people.
ALCO's reported net worth ratio is 13.39% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
ALCO operates 4 branch locations and has access to 4 ATMs. The main office is located at 2859 Lindy Ln, Wellsville, NY 14895-9337.
ALCO was established in 1953. It is a federal credit union chartered under charter number 8975. The institution has been serving members for 73 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or ALCO. All financial data is for informational purposes only.