Credit Union Safety Analysis
Is Niagara Regional Federal Credit Union Safe? North Tonawanda, New York
Based on its Q2 2026 NCUA 5300 call report, Niagara Regional Federal Credit Union has a net worth ratio of 8.43%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.32%, 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 Regional Federal Credit Union's net worth ratio is 8.43%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.43%
- Delinquency ratio (60+ days) (Q2 2026): 0.32%
- Return on assets (Q2 2026): 0.71%
- Loan-to-share ratio (Q2 2026): 67.75%
Niagara Regional Federal Credit Union (NCUA charter 3285, established 1939) reported $40.1M in assets and 2,404 members for Q2 2026 from North Tonawanda, New York. It ranks 147 of 267 credit unions in New York by total assets. Total assets grew 6.4% from $37.6M on June 30, 2025. It has 20 more members than on June 30, 2025 (+0.8%). Its net worth ratio was up 0.24 percentage points from 8.19% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $16.1M of $24.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.32% 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: 8.31% for Q1 2026; 8.19% 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: 0.21% for Q1 2026; 0.06% 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: 0.63% for Q1 2026; 0.66% 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: 66.67% for Q1 2026; 66.39% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $16.1M
- Used vehicle loans: $4.2M
- New vehicle loans: $2.2M
- Unsecured credit card loans: $922K
- Other secured non-real estate loans and lines of credit: $606K
- Other unsecured loans and lines of credit: $531K
- Commercial loans: $282K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $40.1M | 8.43% | 0.32% | 0.71% | 67.75% |
| March 31, 2026 | $39.8M | 8.31% | 0.21% | 0.63% | 66.67% |
| December 31, 2025 | $37.6M | 8.63% | — | 0.75% | 69.14% |
| September 30, 2025 | $36.5M | 8.76% | 0.17% | 1.06% | 70.89% |
| June 30, 2025 | $37.6M | 8.19% | 0.06% | 0.66% | 66.39% |
| March 31, 2025 | $37.5M | 8.05% | — | 0.71% | 65.28% |
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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 Regional Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 3285) · FFIEC NIC profile (RSSD 632670)
Frequently asked questions
Is Niagara Regional Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Niagara Regional Federal Credit Union's net worth ratio is 8.43%, above the 7% NCUA threshold for well capitalized.
Is Niagara Regional Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Niagara Regional Federal Credit Union is a federally insured credit union (NCUA charter 3285): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Niagara Regional Federal Credit Union's key safety ratios?
For Q2 2026, Niagara Regional Federal Credit Union reports net worth 8.43%, delinquency 0.32%, ROA 0.71%, loan-to-share 67.75%.
What happens to my money if Niagara Regional Federal Credit Union fails?
For Q2 2026, Niagara Regional Federal Credit Union held $36.6M in shares and deposits for 2,404 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.