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
Call Report peers
Niagara Falls Teachers in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Niagara Falls Teachers sits in 80-84 with 767 others.
84 Top 50% higher than 50% 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 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).
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.
- One place up in New York, BROADVIEW (#117) scores 85/100, 1 point higher; one place down, Utica Gas & Electric Emp (#119) ties at 84/100.
Quarter path for Niagara Falls Teachers
Niagara Falls Teachers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +15.3% from $11.8M (2025Q4) to $13.5M (2026Q1).
- Net-worth ratio shifted -0.80 pp (18.99% → 18.19%).
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
Niagara Falls Teachers gives up 16 points in total. Member Growth costs the most, 11.1 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Niagara Falls Teachers financially healthy?
Niagara Falls Teachers has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,062 of 4,374 nationally on health and #118 of 272 in New York. Its net worth ratio is 18.19% and its delinquency rate 0.00%.
How does Niagara Falls Teachers compare to other credit unions?
Niagara Falls Teachers scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (18.19% vs 14.86%). Its widest shortfall is loan-to-share ratio (45.00% vs 59.80%).
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?
Niagara Falls Teachers 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 Teachers's net worth ratio of 18.19% 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.