Federal credit union · North Tonawanda, New York · NCUA charter #3285
Niagara Regional
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $37.6M
- Total assets
- 2,371
- Members
- 8.3%
- Net-worth ratio
Niagara Regional scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $37.6M; members 2,371; net-worth ratio 8.31%; health rank #1,734 of 4,374; healthier than 60th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,734 of 4,374 health · 2025Q4Niagara Regional · health 87/100 · $37.6M · 2025Q4
- ROA 87/100
- ASSETS 8.3%
- MEM 0.00%
- RANK 0.58%
- PHOTO $37.6M
- BOOK 2,371
- CHARTER #1,734/4,374
- NCUSIF BRIGHTVIEW
- CAMELS 3285
Call Report peers
Niagara Regional in the assets neighbourhood
Niagara Regional's $37.6M assets sit next to BRIGHTVIEW ($37.6M) 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 Regional 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
87 Top 40% higher than 60% 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 Regional - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #3285 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Niagara Regional: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 69.14% vs peer 59.80% (+9.34 pp).
- Largest lag: Net Worth Ratio at 8.31% vs peer 14.86% (-6.55 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Niagara Regional in New York
- New York health ordinal: #102 of 272.
- By total assets, Niagara Regional is #148 of 272 in New York.
- Membership ranks #162 of 272 among New York CUs with a reported count (2,371 members).
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 Regional
Niagara Regional: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.8% from $37.6M (2025Q4) to $39.8M (2026Q1).
- Net-worth ratio shifted -0.32 pp (8.63% → 8.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.31% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 25.8 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 6.7 pts
- Loan-to-Share Ratio 14.5 pts
Niagara Regional health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.31% | -6.55 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.58% | -0.12 pp |
| Member Growth | -1.29% | - |
| Loan-to-Share Ratio | 69.14% | +9.34 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 Regional filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $39.8M | - |
| 2025Q4 | $37.6M | 2,371 |
| 2024Q4 | $36.3M | 2,402 |
| 2023Q4 | $38.1M | 2,481 |
Credit Union Details
- Charter Number
- 3285
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- North Tonawanda
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Niagara Regional runs 2 offices.
| Office | City |
|---|---|
| Niagara Regional FCU (Main Office) | North Tonawanda, NY |
| North Tonawanda HS | North Tonawanda, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Niagara Regional's nationwide photo peers by assets and by health score, excluding New York charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($37.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Niagara Regional ranks #1,734 of 4,374 nationally on financial health and #102 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Twin Rivers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Twin Rivers
- 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 Regional financially healthy?
Niagara Regional has a financial health score of 87/100 (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 #1,734 of 4,374; by total assets it ranks #2,661 of 4,374 nationally (same basis as /rankings/largest); and #148 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 8.31% and delinquency rate of 0.00%.
How does Niagara Regional compare to other credit unions?
87/100 is Niagara Regional's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Regional?
Niagara Regional 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 Regional directly for the exact boundaries and application steps.
Is my money safe at Niagara Regional?
Federal credit unions like Niagara Regional 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 Regional's net worth ratio of 8.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Niagara Regional offer compared to banks?
Credit unions like Niagara Regional 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 Regional 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.