Federal credit union · Niagara Falls, New York · NCUA charter #8693
Niagara's Choice
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $257.3M
- Total assets
- 21,992
- Members
- 10.7%
- Net-worth ratio
Niagara's Choice scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $257.3M; members 21,992; net-worth ratio 10.73%; health rank #2,144 of 4,374; healthier than 50th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,144 of 4,374 health · 2025Q4Niagara's Choice · health 84/100 · $257.3M · 2025Q4
- NCUSIF 84/100
- CAMELS 10.7%
- HEALTH 1.21%
- NW 0.78%
- DELQ $257.3M
- ROA 21,992
- ASSETS #2,144/4,374
- MEM Primetrust Financial
- RANK 8693
Call Report peers
Niagara's Choice in the assets neighbourhood
Niagara's Choice's $257.3M assets sit next to Primetrust Financial ($257.2M) 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's Choice 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
84 Top 50% higher than 50% 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'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: Call Report deltas vs peers
- Strongest edge vs 1069 $100M–$500M peers is Return on Assets: +0.16 pp (0.78% vs 0.62%).
- Loan-to-Share Ratio trails the peer set - 64.81% here, 72.20% peer average (-7.39 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for Niagara's Choice
- In New York, health place is #122 of 272 on the same NCUA-ratio sort used nationally.
- Assets rank #52 of 272 inside New York ($257.3M reported).
- New York membership ordinal: #42 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's Choice's 5300 filing moved
Niagara's Choice: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $257.3M (2025Q4) to $263.7M (2026Q1).
- Net-worth ratio shifted -0.11 pp (10.84% → 10.73%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.73% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.4 pts
- Return on Assets 15.0 pts
- Member Growth 6.5 pts
- Loan-to-Share Ratio 14.1 pts
Call Report ratios for Niagara's Choice
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.73% | -1.38 pp |
| Delinquency Rate | 1.21% | +0.32 pp |
| Return on Assets | 0.78% | +0.16 pp |
| Member Growth | -1.39% | - |
| Loan-to-Share Ratio | 64.81% | -7.39 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Niagara's Choice quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $263.7M | - |
| 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
Branch Locations (5)
Niagara's Choice operates 5 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Packard Road (Main Office) | Niagara Falls, NY |
| Lockport office | Lockport, NY |
| Sawyer Drive | Niagara Falls, NY |
| Main St office | Niagara Falls, NY |
| North Tonawanda | 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.
Other-state peers near Niagara's Choice
Two NCUA Call Report peer sets for Niagara's Choice, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($257.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Niagara's Choice ranks #2,144 of 4,374 nationally on financial health and #122 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Saint Lawrence is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Saint Lawrence
- 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's Choice financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Niagara's Choice carries a financial health score of 84/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,144 of 4,374; by total assets it ranks #1,120 of 4,374 nationally (same basis as /rankings/largest); and #52 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 10.73% 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 84/100, 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 10.73% 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.
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.