Credit Union Safety Analysis
Is Niagara Falls A F Federal Credit Union Safe? Niagara Falls, New York
Based on its Q2 2026 NCUA 5300 call report, Niagara Falls A F Federal Credit Union has a net worth ratio of 11.27%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.23%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Niagara Falls A F Federal Credit Union's net worth ratio is 11.27%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.27%
- Delinquency ratio (60+ days) (Q2 2026): 0.23%
- Return on assets (Q2 2026): 0.59%
- Loan-to-share ratio (Q2 2026): 47.72%
Niagara Falls A F Federal Credit Union (NCUA charter 10613, established 1955) reported $22.0M in assets and 1,681 members for Q2 2026 from Niagara Falls, New York. It ranks 178 of 267 credit unions in New York by total assets. Total assets grew 8.0% from $20.4M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 11.50% for Q1 2026; 11.74% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 1.56% for Q1 2026; 0.56% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.62% for Q1 2026; 0.30% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 45.07% for Q1 2026; 45.86% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $4.7M
- Used vehicle loans: $1.5M
- New vehicle loans: $1.4M
- Other unsecured loans and lines of credit: $1.3M
- Other secured non-real estate loans and lines of credit: $496K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $22.0M | 11.27% | 0.23% | 0.59% | 47.72% |
| March 31, 2026 | $21.3M | 11.50% | 1.56% | 0.62% | 45.07% |
| December 31, 2025 | $21.0M | 11.53% | 0.28% | 0.17% | 44.33% |
| September 30, 2025 | $20.1M | 12.01% | 0.50% | 0.45% | 46.50% |
| June 30, 2025 | $20.4M | 11.74% | 0.56% | 0.30% | 45.86% |
| March 31, 2025 | $20.2M | 11.79% | 0.28% | 0.17% | 45.38% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Niagara Falls A F Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 10613) · FFIEC NIC profile (RSSD 197580)
Frequently asked questions
Is Niagara Falls A F Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Niagara Falls A F Federal Credit Union's net worth ratio is 11.27%, above the 7% NCUA threshold for well capitalized.
Is Niagara Falls A F Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Niagara Falls A F Federal Credit Union is a federally insured credit union (NCUA charter 10613): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Niagara Falls A F Federal Credit Union's key safety ratios?
For Q2 2026, Niagara Falls A F Federal Credit Union reports net worth 11.27%, delinquency 0.23%, ROA 0.59%, loan-to-share 47.72%.
What happens to my money if Niagara Falls A F Federal Credit Union fails?
For Q2 2026, Niagara Falls A F Federal Credit Union held $19.5M in shares and deposits for 1,681 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.