Federal credit union · Niagara Falls, New York · NCUA charter #98
Niagara Falls Teachers
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $11.8M
- Total assets
- 1,230
- Members
- 18.2%
- Net-worth ratio
Niagara Falls Teachers - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #98, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Niagara Falls Teachers - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth26
- Liquidity (loan-to-share)67
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
18.24% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 18.24% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.65% | 15% |
| Member Growth | -2.84% | 15% |
| Loan-to-Share Ratio | 45.00% | 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 | $11.8M | 1,230 |
| 2024Q4 | $12.2M | 1,266 |
| 2023Q4 | $12.6M | 1,285 |
Credit Union Details
- Charter Number
- 98
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- Niagara Falls
- Data Quarter
- 2025Q4
What This Data Says About Niagara Falls Teachers
1,230 members and $11.8M in total assets sit behind Niagara Falls Teachers, a federal credit union in Niagara Falls, New York, which posts a health score of 84/100 (Excellent) on the five-factor composite, with $4.3M in outstanding loans as of Q4 2025 and a net worth ratio of 18.24% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #98 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 45.00% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 0.00% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 0.65% on net income of $77K 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 -2.84%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Community); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
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 Teachers financially healthy?
Niagara Falls Teachers has a financial health score of 84/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 18.24% and delinquency rate of 0.00%.
How does Niagara Falls Teachers compare to other credit unions?
PlainCU's health composite puts Niagara Falls Teachers at 84/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Teachers?
Niagara Falls Teachers 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 Niagara Falls Teachers directly for the exact boundaries and application steps.
Is my money safe at Niagara Falls Teachers?
Federal credit unions like Niagara Falls Teachers 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 Teachers's net worth ratio of 18.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Niagara Falls Teachers offer compared to banks?
Credit unions like Niagara Falls Teachers 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 Teachers 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.