Federal credit union · SANBORN, New York · NCUA charter #18409
Alliance Niagara
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $22.6M
- Total assets
- 1,135
- Members
- 8.0%
- Net-worth ratio
Alliance Niagara scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $22.6M; members 1,135; net-worth ratio 8.00%; health rank #3,368 of 4,374; healthier than 23rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,368 of 4,374 health · 2025Q4Alliance Niagara · health 74/100 · $22.6M · 2025Q4
Call Report peers
Alliance Niagara in the assets neighbourhood
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Alliance Niagara vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Alliance Niagara sits in 70-74 with 317 others.
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Alliance Niagara: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.09 pp (1.05% vs 1.15%).
- Largest lag: Loan-to-Share Ratio at 38.00% vs peer 59.80% (-21.80 pp).
Alliance Niagara in New York
- In New York, health place is #193 of 272 on the same NCUA-ratio sort used nationally.
- Assets rank #176 of 272 inside New York ($22.6M reported).
- New York membership ordinal: #213 of 272.
- One place up in New York, ISLAND (#192) ties at 74/100; one place down, MAMTA (#194) scores 73/100, 1 point lower.
Quarter path for Alliance Niagara
Alliance Niagara: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.2% from $22.6M (2025Q4) to $23.1M (2026Q1).
- Net-worth ratio shifted -0.06 pp (8.06% → 8.00%).
This credit union's 8.00% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 74/100 score is built
Alliance Niagara gives up 26 points in total. Member Growth costs the most, 9 of its 15; Return on Assets loses the least, 1.
- Net Worth Ratio 25.0 pts
- Delinquency Rate 19.6 pts
- Return on Assets 14.0 pts
- Member Growth 6.0 pts
- Loan-to-Share Ratio 9.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.00% | -6.86 pp |
| Delinquency Rate | 1.05% | -0.09 pp |
| Return on Assets | 0.44% | -0.27 pp |
| Member Growth | -1.65% | - |
| Loan-to-Share Ratio | 38.00% | -21.80 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $23.1M | - |
| 2025Q4 | $22.6M | 1,135 |
| 2024Q4 | $21.4M | 1,154 |
| 2023Q4 | $20.8M | 1,175 |
Credit Union Details
- Charter Number
- 18409
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- SANBORN
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Alliance Niagara.
| Office | City |
|---|---|
| NCCC - Main office (Main Office) | Sanborn, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- Alliance Niagara ranks #3,368 of 4,374 nationally on financial health and #193 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Special Metals is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Special Metals
Frequently Asked Questions
Is Alliance Niagara financially healthy?
Alliance Niagara has a financial health score of 74/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,368 of 4,374 nationally on health and #193 of 272 in New York. Its net worth ratio is 8.00% and its delinquency rate 1.05%.
How does Alliance Niagara compare to other credit unions?
Alliance Niagara scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (1.05% vs 1.15%). Its widest shortfall is loan-to-share ratio (38.00% vs 59.80%).
How can I join Alliance Niagara?
Alliance Niagara operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Alliance Niagara directly for the exact boundaries and application steps.
Is my money safe at Alliance Niagara?
Alliance Niagara is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Alliance Niagara's net worth ratio of 8.00% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.