Federal credit union · Niagara Falls, New York · NCUA charter #10613
Niagara Falls a F
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $21.0M
- Total assets
- 1,689
- Members
- 11.5%
- Net-worth ratio
Niagara Falls a F scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $21.0M; members 1,689; net-worth ratio 11.50%; health rank #2,288 of 4,374; healthier than 46th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,288 of 4,374 health · 2025Q4Niagara Falls a F · health 83/100 · $21.0M · 2025Q4
Call Report peers
Niagara Falls a F in the assets neighbourhood
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Niagara Falls a F vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Niagara Falls a F sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Niagara Falls a F vs $10M–$50M peers
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -0.87 pp (0.28% vs 1.15%).
- Largest lag: Loan-to-Share Ratio at 44.33% vs peer 59.80% (-15.47 pp).
Niagara Falls a F in New York
- Health composite ranks #127 of 272 among scored New York credit unions.
- New York assets place: #181 of 272.
- New York membership ordinal: #189 of 272.
- One place up in New York, Ny Firefighters Bravest (#126) ties at 83/100; one place down, ULSTER (#128) ties at 83/100.
Niagara Falls a F: 2025Q4 → 2026Q1
Niagara Falls a F: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $21.0M (2025Q4) to $21.3M (2026Q1).
- Net-worth ratio shifted -0.03 pp (11.53% → 11.50%).
This credit union's 11.50% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
Niagara Falls a F gives up 17 points in total. Member Growth costs the most, 7.6 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.8 pts
- Member Growth 7.4 pts
- Loan-to-Share Ratio 9.8 pts
Niagara Falls a F vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.50% | -3.36 pp |
| Delinquency Rate | 0.28% | -0.87 pp |
| Return on Assets | 0.22% | -0.49 pp |
| Member Growth | -0.88% | - |
| Loan-to-Share Ratio | 44.33% | -15.47 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Niagara Falls a F quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.3M | - |
| 2025Q4 | $21.0M | 1,689 |
| 2024Q4 | $19.9M | 1,704 |
| 2023Q4 | $20.4M | 1,716 |
Credit Union Details
- Charter Number
- 10613
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- New York
- City
- Niagara Falls
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Niagara Falls a F, spread across 2 cities.
| Office | City |
|---|---|
| Niagara Falls Air Force FCU (Main Office) | Niagara Falls, NY |
| Compusource Systems | Amherst, 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.
Cross-state Call Report peers for Niagara Falls a F
Using this data
- Niagara Falls a F ranks #2,288 of 4,374 nationally on financial health and #127 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Le Roy is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Le Roy
Frequently Asked Questions
Is Niagara Falls a F financially healthy?
Niagara Falls a F has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,288 of 4,374 nationally on health and #127 of 272 in New York. Its net worth ratio is 11.50% and its delinquency rate 0.28%.
How does Niagara Falls a F compare to other credit unions?
Niagara Falls a F scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.28% vs 1.15%). Its widest shortfall is loan-to-share ratio (44.33% vs 59.80%).
How can I join Niagara Falls a F?
Membership eligibility for Niagara Falls a F depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Niagara Falls a F directly for current membership requirements and application steps.
Is my money safe at Niagara Falls a F?
Niagara Falls a F 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. Niagara Falls a F's net worth ratio of 11.50% 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.