State credit union · NIAGARA FALLS, New York · NCUA charter #63793
Niagara Frontier Federal Municipal
Health score 69/100, grade C (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 scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.0M; members 270; net-worth ratio 10.20%; health rank #3,659 of 4,374; healthier than 16th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,659 of 4,374 health · 2025Q4Niagara Frontier Federal Mu… · health 69/100 · $2.0M · 2025Q4
- CAMELS 69/100
- HEALTH 10.2%
- NW 0.00%
- DELQ -2.79%
- ROA $2.0M
- ASSETS 270
- MEM #3,659/4,374
- RANK n/a
- PHOTO 63793
Call Report peers
Niagara Frontier Federal Municipal carries $2.0M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Niagara Frontier Federal Municipal 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
69 16th percentile higher than 16% 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 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 vs $2M–$10M peers
- Delinquency Rate leads the peer set - 0.00% here, 1.81% peer average (-1.81 pp).
- Largest lag: Net Worth Ratio at 10.20% vs peer 19.06% (-8.86 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Niagara Frontier Federal Municipal sits in New York
- New York health ordinal: #213 of 272.
- By total assets, Niagara Frontier Federal Municipal is #243 of 272 in New York.
- New York membership ordinal: #252 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.
How Niagara Frontier Federal Municipal's 5300 filing moved
Niagara Frontier Federal Municipal: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved -9.4% from $2.3M (2024Q4) to $2.0M (2025Q4).
- Membership moved -14.0% from 314 to 270 over the same window.
- Net-worth ratio shifted -0.15 pp (10.35% → 10.20%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.20% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 69/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 69.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.0 pts
Niagara Frontier Federal Municipal vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.20% | -8.86 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | -2.79% | -3.25 pp |
| Member Growth | -14.01% | - |
| Loan-to-Share Ratio | 63.59% | -0.01 pp |
Health score = weighted composite of the five NCUA ratios above. 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
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–$10M81Health
- URBAN UPBOUNDLONG ISLAND CIT, NY · $2M–$10M54Health
- I R E BBrooklyn, NY · $2M–$10M56Health
- LONG BEACH TEACHERSLong Beach, NY · $2M–$10M81Health
Compare Niagara Frontier Federal Municipal vs UPSTATE MILK EMPLOYEES
Nationwide credit unions with similar profiles
Niagara Frontier Federal Municipal's nationwide photo peers by assets and by health score, excluding New York charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (69/100 here).
Using this data
- Niagara Frontier Federal Municipal ranks #3,659 of 4,374 nationally on financial health and #213 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Upstate Milk Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Upstate Milk Employees
- 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #3,659 of 4,374; by total assets it ranks #4,125 of 4,374 nationally (same basis as /rankings/largest); and #243 of 272 within New York. 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.
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.