Federal credit union · Niagara Falls, New York · NCUA charter #10613
Niagara Falls a F
Health score 83/100 (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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #10613: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Niagara Falls a F - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)72
- Member growth49
- Liquidity (loan-to-share)67
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 11.53% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.53% | 30% |
| Delinquency Rate | 0.28% | 25% |
| Return on Assets | 0.22% | 15% |
| Member Growth | -0.88% | 15% |
| Loan-to-Share Ratio | 44.33% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Niagara Falls a F
Headquartered in Niagara Falls, New York, Niagara Falls a F is a federal credit union with 1,689 members, $21.0M in total assets, and $8.2M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 83/100 (Excellent), driven in part by a net worth ratio of 11.53% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #10613 and reports within peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.28% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 44.33% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.22% on net income of $46K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.88%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Niagara Falls a F financially healthy?
Niagara Falls a F scores 83/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 11.53% net worth ratio and a 0.28% delinquency rate.
How does Niagara Falls a F compare to other credit unions?
On PlainCU's health composite, Niagara Falls a F lands at 83/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 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?
Federal credit unions like Niagara Falls a F 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. Niagara Falls a F's net worth ratio of 11.53% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Niagara Falls a F offer compared to banks?
Credit unions like Niagara Falls a F 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 Niagara Falls a F directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.