Federal credit union · Niagara Falls, New York · NCUA charter #8693
Niagara's Choice
Health score 82/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $257.3M
- Total assets
- 21,992
- Members
- 9.2%
- Net-worth ratio
Niagara's Choice - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #8693, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Niagara's Choice - 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)93
- Asset quality (delinquency)74
- Earnings (ROA)100
- Member growth43
- Liquidity (loan-to-share)92
Weighted composite: 82/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.22% 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 | 9.22% | 30% |
| Delinquency Rate | 1.21% | 25% |
| Return on Assets | 0.78% | 15% |
| Member Growth | -1.39% | 15% |
| Loan-to-Share Ratio | 64.81% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $257.3M | 21,992 |
| 2024Q4 | $251.3M | 22,301 |
| 2023Q4 | $255.7M | 22,880 |
Credit Union Details
- Charter Number
- 8693
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- Niagara Falls
- Data Quarter
- 2025Q4
What This Data Says About Niagara's Choice
21,992 members and $257.3M in total assets sit behind Niagara's Choice, a federal credit union in Niagara Falls, New York, which posts a health score of 82/100 (Excellent) on the five-factor composite, with $151.9M in outstanding loans as of Q4 2025 and a net worth ratio of 9.22% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #8693 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Deposits deployed into lending sit at a 64.81% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 1.21% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Return on assets stands at 0.78% on net income of $2.0M 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 -1.39%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
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's Choice financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Niagara's Choice carries a financial health score of 82/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.22% net worth ratio and a 1.21% delinquency rate.
How does Niagara's Choice compare to other credit unions?
On PlainCU's health composite, Niagara's Choice lands at 82/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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's Choice?
Niagara's Choice 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's Choice directly for the exact boundaries and application steps.
Is my money safe at Niagara's Choice?
Federal credit unions like Niagara's Choice 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's Choice's net worth ratio of 9.22% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Niagara's Choice offer compared to banks?
Credit unions like Niagara's Choice 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's Choice 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.