Niagara Falls A F Federal Credit Union Niagara Falls, New York
Niagara Falls A F Federal Credit Union is a federal credit union headquartered in Niagara Falls, NY, established in 1955 (NCUA charter 10613), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,681 members and total assets of $22.0M (up 8.0% from Q2 2025), the 178th largest of 267 credit unions headquartered in New York. Its net worth ratio was 11.27% at Q2 2026, in the well capitalized band.
Also written as Niagara Falls AF FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 10613
- Headquarters
- Niagara Falls, NY
- Established
- 1955
- Total assets, Q2 2026
- $22.0M
- Assets vs Q2 2025
- +8.0%
- Members, Q2 2026
- 1,681
- Net worth ratio, Q2 2026
- 11.27%
- Latest call report
- Q2 2026, NCUA 5300 · Niagara Falls A F Federal Credit Union call report
- Asset rank in state
- 178th of 267 in New York
- Routing number
- 222381594
- Branches
- 2
It has 6 fewer members than on June 30, 2025 (-0.4%). Its net worth ratio was down 0.47 percentage points from 11.74% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $4.7M of $9.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.23% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 11.27% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in New York
Frequently asked about Niagara Falls A F Federal Credit Union
How big is Niagara Falls A F Federal Credit Union?
At Q2 2026 it reported total assets of $22.0M and 1,681 members.
Where is Niagara Falls A F Federal Credit Union headquartered?
It is headquartered in Niagara Falls, NY, United States.
When was Niagara Falls A F Federal Credit Union founded?
It was established in 1955, per NCUA records.
Is Niagara Falls A F Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 10613): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Niagara Falls A F Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Niagara Falls A F Federal Credit Union well capitalized?
Its net worth ratio was 11.27% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Niagara Falls A F Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.23% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Niagara Falls A F Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 47.72% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Niagara Falls, NY 14304
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1955
- NCUA Charter #
- 10613
- RSSD ID
- 197580
- Members
- 1,681
- Potential members
- 4,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 11.27% | 14.31% | 26th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.59% | 0.72% | 44th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 5.21% | 4.74% | 53rd above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.71% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 80.47% | 79.83% | 49th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.32% | 0.78% | 22nd bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.23% | 0.86% | 83rd top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.04% | 4.70% | 20th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 47.72% | 58.92% | 33rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$22.0M total assets against $20.4M; $19.5M total shares and deposits against $18.0M; $9.3M total loans against $8.2M.
$2.5M net worth against $2.4M.
11.27% net worth ratio against 11.74%.
47.72% loan-to-share ratio against 45.86%.
0.23% delinquency ratio against 0.56%.
0.59% return on assets against 0.30%; 5.21% return on equity against 2.56%.
2.71% net interest margin against 2.65%.
1,681 members against 1,687.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.27% | 0.59% | 0.23% | 47.72% |
| March 31, 2026 | 11.50% | 0.62% | 1.56% | 45.07% |
| December 31, 2025 | 11.53% | 0.17% | 0.28% | 44.33% |
| September 30, 2025 | 12.01% | 0.45% | 0.50% | 46.50% |
| June 30, 2025 | 11.74% | 0.30% | 0.56% | 45.86% |
| March 31, 2025 | 11.79% | 0.17% | 0.28% | 45.38% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.