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
Call Report peers
Niagara's Choice in the assets neighbourhood
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Niagara's Choice vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Niagara's Choice sits in 80-84 with 767 others.
84 Top 50% higher than 50% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in New York, Affinity One (#121) ties at 84/100; one place down, U. H. S. Employees (#123) ties at 84/100.
How Niagara's Choice's 5300 filing moved
Niagara's Choice: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $257.3M (2025Q4) to $263.7M (2026Q1).
- Net-worth ratio shifted -0.11 pp (10.84% → 10.73%).
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
Niagara's Choice gives up 16 points in total. Member Growth costs the most, 8.5 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Niagara's Choice financially healthy?
On its 2025Q4 NCUA 5300 filing, Niagara's Choice scores 84/100 (Excellent), with a 10.73% net worth ratio and 1.21% of loans delinquent. It ranks #2,144 of 4,374 nationally on health and #122 of 272 in New York.
How does Niagara's Choice compare to other credit unions?
Niagara's Choice scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is return on assets (0.78% vs 0.62%). Its widest shortfall is loan-to-share ratio (64.81% vs 72.20%).
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?
Niagara's Choice 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's Choice's net worth ratio of 10.73% 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.