BlastPoint's Credit Union Scorecard
ALLEGANY FIRST
Charter #22883 · NY
ALLEGANY FIRST demonstrates 1 strength
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.28% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 176 that size in New York.
- Shares and deposits +4.7% year over year ($23.3M in shares and deposits).
- Membership: 2,165 members, +0.5% vs a year ago.
- Delinquency rate 1.06%.
- Return on assets 1.78%.
- Efficiency ratio 58.63% vs a 88.77% peer average.
- Loan-to-share ratio 31.45% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,165
+0.5% YoY+0.4% QoQ
|
-420 |
2,585
-1.7% YoY
|
27,051
+5.9% YoY
|
34,678
+6.6% YoY
|
56% |
| Assets |
$27.1M
+6.2% YoY+6.0% QoQ
|
$-3.2M |
$30.3M
+1.5% YoY
|
$505.5M
+8.1% YoY
|
$593.1M
+10.2% YoY
|
56% |
| Loans |
$7.3M
+0.3% YoY+2.4% QoQ
|
$-8.1M |
$15.5M
-1.7% YoY
|
$338.7M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
44% |
| Deposits |
$23.3M
+4.7% YoY+6.3% QoQ
|
$-2.5M |
$25.8M
+1.1% YoY
|
$431.4M
+8.2% YoY
|
$504.8M
+10.3% YoY
|
57% |
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| ROA |
1.8%
-22.9% YoY+14.8% QoQ
|
+0.3% |
1.5%
+241.5% YoY
|
1.2%
+60.1% YoY
|
1.2%
+121.4% YoY
|
Top 13.6% in tier |
| NIM |
3.8%
-10.7% YoY+1.7% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.6%
-0.3% YoY
|
3.8%
+2.3% YoY
|
45% |
| Efficiency Ratio |
58.6%
+11.2% YoY-4.1% QoQ
|
-30.1% |
88.8%
-6.9% YoY
|
80.5%
+0.8% YoY
|
83.0%
-5.3% YoY
|
Top 10.7% in tier |
| Delinquency Rate |
1.1%
-1.8% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
1.7%
-18.0% YoY
|
1.3%
+2.6% YoY
|
63% |
| Loan To Share |
31.5%
-4.2% YoY-3.6% QoQ
|
-27.4% |
58.9%
-3.1% YoY
|
59.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 12.6% in tier |
| AMR |
$14,126
+3.1% YoY+4.9% QoQ
|
$-837 |
$14,963
-6.8% YoY
|
$19,620
+2.7% YoY
|
$20,028
-0.9% YoY
|
51% |
| CD Concentration |
0.6%
-11.4% YoY-5.8% QoQ
|
-24.0% | 24.6% | 16.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)