State credit union · NIAGARA FALLS, New York · NCUA charter #63793
Niagara Frontier Federal Municipal
Health score 69/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $2.0M
- Total assets
- 270
- Members
- 10.2%
- Net-worth ratio
Niagara Frontier Federal Municipal - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #63793 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Niagara Frontier Federal Municipal - 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)0
- Member growth0
- Liquidity (loan-to-share)90
Weighted composite: 69/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.20% 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 | 10.20% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | -2.79% | 15% |
| Member Growth | -14.01% | 15% |
| Loan-to-Share Ratio | 63.59% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $2.0M | 270 |
| 2024Q4 | $2.3M | 314 |
| 2023Q4 | $2.7M | 335 |
Credit Union Details
- Charter Number
- 63793
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- New York
- City
- NIAGARA FALLS
- Data Quarter
- 2025Q4
What This Data Says About Niagara Frontier Federal Municipal
270 members and $2.0M in total assets sit behind Niagara Frontier Federal Municipal, a state credit union in NIAGARA FALLS, New York, which posts a health score of 69/100 (Good) on the five-factor composite, with $1.2M in outstanding loans as of Q4 2025 and a net worth ratio of 10.20% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #63793 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Two more numbers round out the picture: a 0.00% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers - and a 63.59% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at -2.79% on net income of $-57089 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 -14.01%. 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
Other federally-insured credit unions in New York, closest first by peer group and asset size.
- UPSTATE MILK EMPLOYEESLancaster, NY · $2M–$10M47Health
- MEDICAL EMPLOYEES OF STATEN ISLANDSTATEN ISLAND, NY · $2M–$10M80Health
- URBAN UPBOUNDLONG ISLAND CIT, NY · $2M–$10M52Health
- I R E BBrooklyn, NY · $2M–$10M56Health
- LONG BEACH TEACHERSLong Beach, NY · $2M–$10M81Health
Compare Niagara Frontier Federal Municipal vs UPSTATE MILK EMPLOYEES
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 Frontier Federal Municipal financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Niagara Frontier Federal Municipal carries a financial health score of 69/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.20% net worth ratio and a 0.00% delinquency rate.
How does Niagara Frontier Federal Municipal compare to other credit unions?
Five weighted metrics from NCUA filings produce Niagara Frontier Federal Municipal's 69/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Frontier Federal Municipal?
Membership eligibility for Niagara Frontier Federal Municipal depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Niagara Frontier Federal Municipal directly for current membership requirements and application steps.
Is my money safe at Niagara Frontier Federal Municipal?
Federal credit unions like Niagara Frontier Federal Municipal 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 Frontier Federal Municipal's net worth ratio of 10.20% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Niagara Frontier Federal Municipal offer compared to banks?
Credit unions like Niagara Frontier Federal Municipal 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 Frontier Federal Municipal 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.