Federal credit union · SANBORN, New York · NCUA charter #14040
NIAGARA-WHEATFIELD
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $21.3M
- Total assets
- 1,837
- Members
- 10.6%
- Net-worth ratio
NIAGARA-WHEATFIELD scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $21.3M; members 1,837; net-worth ratio 10.57%; health rank #3,115 of 4,374; healthier than 28th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,115 of 4,374 health · 2025Q4NIAGARA-WHEATFIELD · health 77/100 · $21.3M · 2025Q4
Call Report peers
NIAGARA-WHEATFIELD in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
NIAGARA-WHEATFIELD vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); NIAGARA-WHEATFIELD sits in 75-79 with 502 others.
77 28th percentile higher than 28% 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-WHEATFIELD vs $10M–$50M peers
- Largest lag: Loan-to-Share Ratio at 53.22% vs peer 59.80% (-6.58 pp).
NIAGARA-WHEATFIELD in New York
- New York health ordinal: #178 of 272.
- New York assets place: #179 of 272.
- New York membership ordinal: #182 of 272.
- One place up in New York, Empire One (#177) ties at 77/100; one place down, Upstate Telco (#179) scores 76/100, 1 point lower.
Quarter path for NIAGARA-WHEATFIELD
NIAGARA-WHEATFIELD: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $21.3M (2025Q4) to $21.5M (2026Q1).
- Net-worth ratio shifted +0.20 pp (10.37% → 10.57%).
10.57% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
NIAGARA-WHEATFIELD gives up 23 points in total. Delinquency Rate costs the most, 12.2 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 12.8 pts
- Return on Assets 15.0 pts
- Member Growth 7.8 pts
- Loan-to-Share Ratio 11.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.57% | -4.29 pp |
| Delinquency Rate | 1.96% | +0.81 pp |
| Return on Assets | 0.63% | -0.07 pp |
| Member Growth | -0.65% | - |
| Loan-to-Share Ratio | 53.22% | -6.58 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $21.5M | - |
| 2025Q4 | $21.3M | 1,837 |
| 2024Q4 | $21.2M | 1,849 |
| 2023Q4 | $23.1M | 1,851 |
Credit Union Details
- Charter Number
- 14040
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- SANBORN
- Data Quarter
- 2025Q4
Branch Locations (2)
NIAGARA-WHEATFIELD operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | SANBORN, NY |
| compusource systems inc | Amherst, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near NIAGARA-WHEATFIELD
Similar total assets
Similar health score
Using this data
- NIAGARA-WHEATFIELD ranks #3,115 of 4,374 nationally on financial health and #178 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Coopers Cave is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Coopers Cave
Frequently Asked Questions
Is NIAGARA-WHEATFIELD financially healthy?
NIAGARA-WHEATFIELD has a financial health score of 77/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,115 of 4,374 nationally on health and #178 of 272 in New York. Its net worth ratio is 10.57% and its delinquency rate 1.96%.
How does NIAGARA-WHEATFIELD compare to other credit unions?
NIAGARA-WHEATFIELD scores 77/100, higher than 28% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (53.22% vs 59.80%).
How can I join NIAGARA-WHEATFIELD?
NIAGARA-WHEATFIELD 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-WHEATFIELD directly for the exact boundaries and application steps.
Is my money safe at NIAGARA-WHEATFIELD?
NIAGARA-WHEATFIELD 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-WHEATFIELD's net worth ratio of 10.57% 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.