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Credit union call report ยท Wellsville, NY

Alco Federal Credit Union Call Report

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Alco Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 264 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Alco Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number8975
Federal Reserve RSSD ID148180

The official copy: search charter number 8975 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Alco Federal Credit Union call report, Q2 2026

Statement of Financial Condition (31 items)
Alco Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $876K
1c. Total Cash on Hand 730A $876K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $3.2M
2c. Cash on Deposit in Other Financial Institutions 730B2 $38K
2. Cash on Deposit (total) 730B $3.2M
3. Time Deposits in Banks and Credit Unions AS0007 $500K
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $4.6M
8. Available-for-Sale Debt Securities AS0067 $22.6M
11. TOTAL INVESTMENT SECURITIES AS0013 $22.6M
12b. Perpetual Contributed Capital 769B $45K
13. TOTAL OTHER INVESTMENTS AS0017 $45K
15a. Number of Total Loans and Leases 025A 3,592
15b. Total Loans and Leases 025B $32.6M
17. ACL on Loans and Leases AS0048 $264K
19. Land and Building 007 $792K
20. Other Fixed Assets 008 $220K
21. NCUA Share Insurance Capitalization Deposit 794 $500K
22d. Accrued Interest on Loans 009A $66K
22e. Accrued Interest on Investments 009B $74K
22f. All Other Assets 009C $233K
22g. Total Other Assets AS0036 $374K
23. TOTAL ASSETS 010 $61.5M
Accounts Payable and Other Liabilities 825 $91K
Accrued Dividends and Interest Payable 820A $82K
Member Shares of All Types 013 $53.0M
Total Shares and Deposits 018 $53.0M
Undivided Earnings 940 $8.2M
Net Income (equity) 602 $231K
Total Net Worth 997 $8.4M
Net Worth Ratio 998 13.74%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $61.5M
Statement of Income and Expense (22 items)
Alco Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $1.1M
3. Income from Investments 120 $412K
5. TOTAL INTEREST INCOME 115 $1.5M
6. Dividends on Shares 380 $159K
9. TOTAL INTEREST EXPENSE 350 $159K
10. NET INTEREST INCOME IS0010 $1.4M
12a. Credit Loss Expense - Loans and Leases IS0011 $65K
12e. Total Credit Loss Expense IS0017 $65K
13. Fee Income 131 $261K
14. Other Operating Income IS0020 $346K
23. TOTAL NON-INTEREST INCOME 117 $607K
24. Employee Compensation and Benefits 210 $801K
25. Travel and Conference 230 $6K
26. Office Occupancy 250 $65K
27. Office Operations 260 $152K
28. Educational and Promotional 270 $44K
29. Loan Servicing 280 $37K
30. Professional and Outside Services 290 $353K
32. Operating Fees 320 $3K
33. Miscellaneous Operating Expense 360 $25K
34. TOTAL NON-INTEREST EXPENSE 671 $1.5M
35. NET INCOME 661A $444K
Statement pages - all other filed accounts (23 items)

delinquency (21%), credit cards (21%)

Alco Federal Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $271K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $61K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $104K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $63K
Loans Granted Year-to-Date 031A $415
Amount of Loans Granted Year-to-Date 031B $7.7M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $311K
Number of current members (not number of accounts) 083 6,848
Number of potential members 084 312,171
Net Member Business Loan Balance 400A $53K
Interest Rate of Unsecured Credit Card Loans 521 1,036.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,021.00%
Interest Rate of New Vehicle Loans 523 515.00%
Interest Rate of Used Vehicle Loans 524 696.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $62K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $28K
Amount of Regular Shares 657 $30.1M
Amount of Share Drafts 902 $13.1M
IRA/KEOGH Accounts - < 1 Year 906A $319K
Share Certificates - < 1 Year 908A $5.6M
Total Amount of Share Certificates 908C $6.2M
Total Amount of Money Market Shares 911 $2.9M
Number of Used Vehicle Loans 968 1,125
NCUA data file FS220A (21 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Alco Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $52.0M
Total Shares - 1-3 Years 013B1 $1.1M
Total Shares and Deposits - < 1 Year 018A $52.0M
Total Shares and Deposits - 1-3 Years 018B1 $1.1M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 24
Effective date of last audit 063 $92K
Amount of Used Vehicle Loans 370 $14.7M
Amount of New Vehicle Loans 385 $3.8M
Amount of Unsecured Credit Card Loans 396 $1.6M
Amount of All Other Unsecured Loans/Lines of Credit 397 $3.8M
Share Certificates 451 $347
Number of Accounts for Share Drafts 452 4,626
IRA/KEOGH Accounts 453 $94
Number of Accounts for Regular Shares 454 7,318
Money Market Shares 458 $75
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 12,460
Number of credit union employees who are Full-Time (26 hours or more) 564A 22
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 4
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $383K
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,654.00%
Total credit lines 881 $2.3M
NCUA data file FS220B (23 items)

maturity and repricing buckets (40%), credit cards (17%)

Alco Federal Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $16K
Amount of Delinquent Unsecured Credit Card Loans as of - 6 to less than 12 months delinquent 027B $12K
Number - Total Delinquent Credit Card Loans 045A 7
Total Amount of Delinquent Unsecured Credit Card Loans 045B $43K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $839K
Total Uninsured Shares and Deposits > $250K (F+J) 068A $839K
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $52.2M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $62K
Amount of Regular Shares - < 1 Year 657A $30.1M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $18K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $606
Amount of Share Drafts - < 1 Year 902A $13.1M
IRA/KEOGH Accounts - 1-3 Years 906B1 $453K
Total Amount of IRA/KEOGH Accounts 906C $772K
Share Certificates - 1-3 Years 908B1 $618K
Money Market Shares - < 1 Year 911A $2.9M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $179K
Number of New Vehicle Loans 958 159
Total Shares 966 $12K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $46K
Number of Unsecured Credit Card Loans 993 521
Number of All Other Unsecured Loans/Lines of Credit 994 1,434
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 23
NCUA data file FS220C (5 items)

charge-offs and recoveries (27%), participation loans (18%)

Alco Federal Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $5
Number of credit union branches (include the main office if member services are conducted at that location) 566 4
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $1.6M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $109K
Outstanding balance of brokered certificates of deposit and share certificates 788 $22.8M
NCUA data file FS220D (25 items)

member services and products offered (69%), CUSO relationships (27%)

Alco Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Financial Education 879B2 $1
Financial Literacy Workshops 879B3 $1
Credit Management and Repair 879B6 $1
No Cost Bill Payer 879C2 $1
No Cost Tax Prep. Services 879C3 $1
Student Scholarships 879C4 $1
Deposits and Shares Meeting 703.10(a) 879M $1
Brokered Certificates of Deposits 879N $1
International Remittances 879V $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
Loan Payments 887F $1
Bill Payment 887J $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
Remote Deposit Capture 887U $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
NCUA data file FS220G (2 items)

loans and leases (32%), participation loans (18%)

Alco Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Assets Pledged to Secure Borrowings 878 $45K
Total Credit Lines at Corporate Credit Unions 884 $2.3M
NCUA data file FS220H (1 item)

student loans (43%), delinquency (27%)

Alco Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $4.6M
NCUA data file FS220I (9 items)

vehicle lending (59%), delinquency (44%)

Alco Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $71K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $28K
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $30K
Number of Reportable Delinquent Used Vehicle Loans 035E2 9
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $85K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $23K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $16K
Commercial Share Accounts 643 $926K
Number of International Remittances originated Year-to-Date 928 4
NCUA data file FS220L (11 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Alco Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $4K
Total Amount of Loans & Leases on Loan Schedule 025B1 $32.6M
Total outstanding balance of commercial loans to members 400A1 $53K
Outstanding balance of Member Commercial and Industrial loans 400L2 $53K
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $53K
Outstanding balance of all member and non-member commercial loans 400T1 $53K
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 650.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 522.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 722.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $3.5M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $5.1M
NCUA data file FS220M (10 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Alco Federal Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $3.2M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $337K
Total Unfunded Commitments for Non-Commercial Loans 816T $4.6M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $1.0M
Total number of member commercial loans 900A1 $1
Number of Member Commercial and Industrial loans 900L2 1
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 1
Total Number of Member and Nonmember commercial loans 900T1 $1
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 79
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 273
NCUA data file FS220N (6 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Alco Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Available-for-sale Debt Securities <=1 Year AS0062 $4.3M
Available-for-sale Debt Securities >1 and <=3 Years AS0063 $10.4M
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $7.9M
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$200K
Total Liabilities LI0069 $53.2M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $61.5M
NCUA data file FS220P (21 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Alco Federal Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $21K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $5K
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $7K
Unsecured Credit Card Loans DL0002 $15K
All Other Unsecured Loans/Lines of Credit DL0022 $15K
All Other Unsecured Loans/Lines of Credit DL0023 $13K
All Other Unsecured Loans/Lines of Credit DL0024 $9K
All Other Unsecured Loans/Lines of Credit DL0025 $14K
All Other Unsecured Loans/Lines of Credit DL0027 $36K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $5
Used Vehicle Loans DL0037 $27K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $5K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $8K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $8K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $1
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $117K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $91K
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0060 $48K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0062 $139K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0063 $2
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $146K
NCUA data file FS220Q (22 items)

investment portfolio detail (69%)

Alco Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Corporate Credit Unions LQ0035 $45K
Available-for-sale Amortized Cost - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0079 $22.8M
Available-for-sale Fair Value - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0080 $22.6M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $22.8M
Total Fair Value Available-for-Sale Debt Securities NV0084 $22.6M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $250K
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $250K
Investment Maturity Distribution - Time Deposits - Total NV0116 $500K
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $22.6M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $45K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $45K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $4.6M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $10.7M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $7.9M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $45K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $23.1M
RBC Total Equity RB0001 $8.4M
RBC Allowance for Credit Losses RB0002 $264K
RBC Total Additions RB0005 $264K
RBC Total Deductions RB0009 $500K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $8.2M
RBC Risk-Based Capital Numerator RB0012 $8.2M
NCUA data file FS220R (29 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Alco Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $22.6M
RBC Schedule Total Consumer Loans RB0060 $27.4M
RBC Schedule Total Commercial Loans RB0068 $53K
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $264K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $264K
RBC Schedule Total Loans RB0079 $32.3M
RBC Total for Risk Weighting Total Loans RB0081 -$264K
RBC Total Loans 0% Weight RB0082 -$264K
RBC Schedule Total Other Assets RB0088 $1.9M
RBC Total for Risk Weighting Other Assets RB0090 $500K
RBC Other Assets 0% Weight RB0091 $500K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $61.5M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $236K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $236K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $61.5M
RBC Allowance for Credit Losses (Loans) RB0177 $264K
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 45.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 3,767,855.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 101,500.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 34.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 1,335,958.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $5.1M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $102K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $79
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $5.1M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $102K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $192K
Total Shares SH0013 $53.0M
Total Shares and Deposits SH0018 $53.0M
NCUA data file FS220S (3 items)

member services and products offered (29%), HMDA and entity identifiers (24%)

Alco Federal Credit Union, NCUA data file FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Communication PP0047 $1
FinTech-Other PP0048 $1

Alco Federal Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Alco Federal Credit Union call report?

The Alco Federal Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Alco Federal Credit Union file?

Alco Federal Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Alco Federal Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Alco Federal Credit Union is 8975.

How often does Alco Federal Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Alco Federal Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.