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 Lane
- Branches
- 4
- ATMs
- 4
- Members
- 6,782
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
6,782 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | ALCO |
|---|---|
| Total Assets | $59.2M |
| Members | 6,782 |
| Loans Outstanding | $32.5M |
| Shares & Deposits | $51.1M |
| Net Worth | $8.0M |
| Net Worth Ratio | 13.51% |
| Loan-to-Share Ratio | 63.8% |
| Delinquency Rate | 0.94% |
| Net Income | +$959,430 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View New York RankingsFrequently Asked Questions
Yes. ALCO is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, ALCO has 6,782 members and a potential membership field of 312,171 people.
ALCO's net worth ratio is 13.51% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.5%, ALCO meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or ALCO. All financial data is for informational purposes only.