Federal credit union · NIAGARA FALLS, New York · NCUA charter #9537
Greater Niagara
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $69.3M
- Total assets
- 7,865
- Members
- 13.5%
- Net-worth ratio
Greater Niagara scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $69.3M; members 7,865; net-worth ratio 13.51%; health rank #2,965 of 4,374; healthier than 31st of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,965 of 4,374 health · 2025Q4Greater Niagara · health 78/100 · $69.3M · 2025Q4
- ROA 78/100
- ASSETS 13.5%
- MEM 1.38%
- RANK 0.76%
- PHOTO $69.3M
- BOOK 7,865
- CHARTER #2,965/4,374
- NCUSIF Meridian Mutual
- CAMELS 9537
Call Report peers
Greater Niagara in the assets neighbourhood
Greater Niagara's $69.3M assets sit next to Meridian Mutual ($69.3M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Greater Niagara vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Greater Niagara - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #9537, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Greater Niagara
- Return on Assets leads the peer set - 0.76% here, 0.66% peer average (+0.10 pp).
- Loan-to-Share Ratio trails the peer set - 45.73% here, 62.60% peer average (-16.87 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Greater Niagara: in-state Call Report ranks
- New York health ordinal: #168 of 272.
- By total assets, Greater Niagara is #109 of 272 in New York.
- Member book place in New York: #83 of 272.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Greater Niagara: 2025Q4 → 2026Q1
Greater Niagara: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.0% from $69.3M (2025Q4) to $68.6M (2026Q1).
- Net-worth ratio shifted +0.52 pp (12.99% → 13.51%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.51% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.2 pts
- Return on Assets 15.0 pts
- Member Growth 6.0 pts
- Loan-to-Share Ratio 9.8 pts
Call Report ratios for Greater Niagara
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.51% | -0.11 pp |
| Delinquency Rate | 1.38% | +0.41 pp |
| Return on Assets | 0.76% | +0.10 pp |
| Member Growth | -1.69% | - |
| Loan-to-Share Ratio | 45.73% | -16.87 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Greater Niagara quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $68.6M | - |
| 2025Q4 | $69.3M | 7,865 |
| 2024Q4 | $71.0M | 8,000 |
| 2023Q4 | $69.6M | 8,134 |
Credit Union Details
- Charter Number
- 9537
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New York
- City
- NIAGARA FALLS
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Greater Niagara runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Greater Niagara FCU (Main Office) | NIAGARA FALLS, NY |
| 160 WARD RD | NORTH TONAWANDA, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Greater Niagara nationwide neighbourhoods
Greater Niagara's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($69.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Greater Niagara ranks #2,965 of 4,374 nationally on financial health and #168 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ever $ Green is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ever $ Green
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Greater Niagara financially healthy?
Greater Niagara has a financial health score of 78/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,965 of 4,374; by total assets it ranks #2,148 of 4,374 nationally (same basis as /rankings/largest); and #109 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.51% and delinquency rate of 1.38%.
How does Greater Niagara compare to other credit unions?
Greater Niagara scores 78/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Greater Niagara?
Greater 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 Greater Niagara directly for the exact boundaries and application steps.
Is my money safe at Greater Niagara?
Federal credit unions like Greater Niagara are 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. Greater Niagara's net worth ratio of 13.51% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Greater Niagara offer compared to banks?
Credit unions like Greater Niagara are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Greater Niagara directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.