Federal credit union · Niagara Falls, New York · NCUA charter #98
Niagara Falls Teachers
Health score 84/100, grade A (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 scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.8M; members 1,230; net-worth ratio 18.19%; health rank #2,062 of 4,374; healthier than 50th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,062 of 4,374 health · 2025Q4Niagara Falls Teachers · health 84/100 · $11.8M · 2025Q4
- ROA 84/100
- ASSETS 18.2%
- MEM 0.00%
- RANK 0.65%
- PHOTO $11.8M
- BOOK 1,230
- CHARTER #2,062/4,374
- NCUSIF Peoples Transport
- CAMELS 98
Call Report peers
Niagara Falls Teachers in the assets neighbourhood
Niagara Falls Teachers's $11.8M assets sit next to Peoples Transport ($11.8M) 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.
Niagara Falls Teachers 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
84 Top 50% higher than 50% 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
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: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 18.19% vs peer 14.86% (+3.33 pp).
- Loan-to-Share Ratio trails the peer set - 45.00% here, 59.80% peer average (-14.80 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for Niagara Falls Teachers
- New York health ordinal: #118 of 272.
- New York assets place: #205 of 272.
- New York membership ordinal: #208 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.
Quarter path for Niagara Falls Teachers
Niagara Falls Teachers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +15.3% from $11.8M (2025Q4) to $13.5M (2026Q1).
- Net-worth ratio shifted -0.80 pp (18.99% → 18.19%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
18.19% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 3.9 pts
- Loan-to-Share Ratio 10.1 pts
Niagara Falls Teachers vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.19% | +3.33 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.65% | -0.05 pp |
| Member Growth | -2.84% | - |
| Loan-to-Share Ratio | 45.00% | -14.80 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Niagara Falls Teachers quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.5M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Niagara Falls Teachers runs one office.
| Office | City |
|---|---|
| Niagara Falls Teachers' Federal Credit Union (Main Office) | Niagara Falls, 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.
Niagara Falls Teachers nationwide neighbourhoods
Cross-state asset and health neighbours for Niagara Falls Teachers - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($11.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Niagara Falls Teachers ranks #2,062 of 4,374 nationally on financial health and #118 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Directors Choice is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Directors Choice
- 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 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,062 of 4,374; by total assets it ranks #3,467 of 4,374 nationally (same basis as /rankings/largest); and #205 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 18.19% 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 18.19% 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.
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.