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
- CAMELS 77/100
- HEALTH 10.6%
- NW 1.96%
- DELQ 0.63%
- ROA $21.3M
- ASSETS 1,837
- MEM #3,115/4,374
- RANK HAMAKUA
- PHOTO 14040
Call Report peers
NIAGARA-WHEATFIELD in the assets neighbourhood
NIAGARA-WHEATFIELD's $21.3M assets sit next to HAMAKUA ($21.3M) 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-WHEATFIELD 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
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 - Share Insurance Coverage
Charter #14040's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
NIAGARA-WHEATFIELD vs $10M–$50M peers
- Largest lag: Loan-to-Share Ratio at 53.22% vs peer 59.80% (-6.58 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
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-WHEATFIELD
NIAGARA-WHEATFIELD: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $21.3M (2025Q4) to $21.5M (2026Q1).
- Net-worth ratio shifted +0.20 pp (10.37% → 10.57%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- 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 |
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).
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
NIAGARA-WHEATFIELD'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 ($21.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
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
- 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-WHEATFIELD financially healthy?
NIAGARA-WHEATFIELD has a financial health score of 77/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,115 of 4,374; by total assets it ranks #3,106 of 4,374 nationally (same basis as /rankings/largest); and #179 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 10.57% and delinquency rate of 1.96%.
How does NIAGARA-WHEATFIELD compare to other credit unions?
NIAGARA-WHEATFIELD scores 77/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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-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?
Federal credit unions like NIAGARA-WHEATFIELD 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-WHEATFIELD's net worth ratio of 10.57% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does NIAGARA-WHEATFIELD offer compared to banks?
Credit unions like NIAGARA-WHEATFIELD 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-WHEATFIELD 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.