Niagara's Choice Federal Credit Union Niagara Falls, New York
Niagara's Choice Federal Credit Union is a federal credit union headquartered in Niagara Falls, NY, established in 1953 (NCUA charter 8693), and it is regulated and insured by the NCUA. At Q2 2026 it reported 21,803 members and total assets of $265.4M (up 2.5% from Q2 2025), the 52nd largest of 267 credit unions headquartered in New York. Its net worth ratio was 10.89% at Q2 2026, in the well capitalized band.
Also written as Niagara's Choice 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
- 8693
- Headquarters
- Niagara Falls, NY
- Established
- 1953
- Total assets, Q2 2026
- $265.4M
- Assets vs Q2 2025
- +2.5%
- Members, Q2 2026
- 21,803
- Net worth ratio, Q2 2026
- 10.89%
- Latest call report
- Q2 2026, NCUA 5300 · Niagara's Choice Federal Credit Union call report
- Asset rank in state
- 52nd of 267 in New York
- Routing number
- 222381549
- Branches
- 5
It has 430 fewer members than on June 30, 2025 (-1.9%). Its net worth ratio was up 0.27 percentage points from 10.62% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $77.3M of $153.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.17% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 10.89% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in New York
Credit unions merged into Niagara's Choice Federal Credit Union
Frequently asked about Niagara's Choice Federal Credit Union
How big is Niagara's Choice Federal Credit Union?
At Q2 2026 it reported total assets of $265.4M and 21,803 members.
Where is Niagara's Choice Federal Credit Union headquartered?
It is headquartered in Niagara Falls, NY, United States.
When was Niagara's Choice Federal Credit Union founded?
It was established in 1953, per NCUA records.
Is Niagara's Choice Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 8693): 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's Choice Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Niagara's Choice Federal Credit Union well capitalized?
Its net worth ratio was 10.89% 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's Choice Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.17% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Niagara's Choice Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 64.36% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Niagara Falls, NY 14303
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1953
- NCUA Charter #
- 8693
- RSSD ID
- 265788
- Members
- 21,803
- Potential members
- 1,185,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 10.89% | 11.43% | 42nd below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.93% | 0.81% | 58th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 8.58% | 7.02% | 64th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.83% | 3.70% | 58th above |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 77.57% | 76.55% | 46th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.36% | 1.24% | over 90th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.17% | 0.68% | 24th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.19% | 4.92% | 10th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 64.36% | 75.66% | 29th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$265.4M total assets against $258.8M; $239.1M total shares and deposits against $234.4M; $153.9M total loans against $148.0M.
$28.9M net worth against $27.5M.
10.89% net worth ratio against 10.62%.
64.36% loan-to-share ratio against 63.14%.
1.17% delinquency ratio against 1.04%.
0.93% return on assets against 0.93%; 8.58% return on equity against 8.76%.
3.83% net interest margin against 3.64%.
21,803 members against 22,233.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.89% | 0.93% | 1.17% | 64.36% |
| March 31, 2026 | 10.73% | 0.61% | 0.87% | 63.32% |
| December 31, 2025 | 10.84% | 0.37% | 1.21% | 64.81% |
| September 30, 2025 | 10.94% | 0.80% | 0.47% | 64.20% |
| June 30, 2025 | 10.62% | 0.93% | 1.04% | 63.14% |
| March 31, 2025 | 10.37% | 0.78% | 0.92% | 62.38% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.