TellerScore

Headquartered in Niagara Falls, New York, Niagara Falls a F Federal Credit Union is a federal credit union with $22.0M in total assets and $19.5M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1955.

Niagara Falls a F Federal Credit Union has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 54% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 98th. Funding & liquidity contributes the most (100/100, 48% loans-to-deposits, 0% uninsured); earnings contributes the least (44/100, 0.59%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Net worth ratio: 11.27%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.23%
Earnings44/100
Return on assets (annualized): 0.59%
Funding & liquidity100/100
Loans ÷ shares: 47.7% · 0.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.87%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (71 → 76), mostly because the earnings component improved by 15 points.

TellerScore
647076Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202465
Q4 202471
Q1 202573
Q2 202571
Q3 202573
Q4 202573
Q1 202664
Q2 202676
Net worth ratio
7.00%9.50%12.01%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.90%
Q3 202411.97%
Q4 202411.91%
Q1 202511.79%
Q2 202511.74%
Q3 202512.01%
Q4 202511.53%
Q1 202611.50%
Q2 202611.27%
Delinquent loans (60+ days)
0.23%0.90%1.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.10%
Q3 20241.28%
Q4 20240.63%
Q1 20250.28%
Q2 20250.56%
Q3 20250.50%
Q4 20250.28%
Q1 20261.56%
Q2 20260.23%
Return on assets
0.08%0.35%0.62%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.08%
Q3 20240.24%
Q4 20240.23%
Q1 20250.17%
Q2 20250.23%
Q3 20250.31%
Q4 20250.26%
Q1 20260.62%
Q2 20260.59%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$22.0M11.27%0.23%0.59%47.7%
Q1 202664$21.3M11.50%1.56%0.62%45.1%
Q4 202573$21.0M11.53%0.28%0.26%44.3%
Q3 202573$20.1M12.01%0.50%0.31%46.5%
Q2 202571$20.4M11.74%0.56%0.23%45.9%
Q1 202573$20.2M11.79%0.28%0.17%45.4%
Q4 202471$19.9M11.91%0.63%0.23%44.8%
Q3 202465$19.8M11.97%1.28%0.24%46.8%
Q2 202465$19.7M11.90%1.10%0.08%48.0%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.27%
26th
Problem loans0.23%
72nd
Net charge-offs-0.00%
86th
Return on assets0.59%
47th
Loans to deposits47.7%
67th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.9%
67th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Special Metals Federal Credit UnionCredit union New Hartford, NY60 out of 100, Moderate$22.1M11.8%1.18%vs
Coopers Cave Federal Credit UnionCredit union Glens Falls, NY63 out of 100, Moderate$21.6M8.3%0.81%vs
Local 804 Federal Credit UnionCredit union Port Washington, NY70 out of 100, Strong$22.5M30.7%3.71%vs
Niagara-Wheatfield Federal Credit UnionCredit union Sanborn, NY50 out of 100, Below average$21.4M10.7%4.03%vs
Le Roy Federal Credit UnionCredit union Le Roy, NY86 out of 100, Very strong$21.1M11.4%0.37%vs
Encompass Niagara Federal Credit UnionCredit union Niagara Falls, NY48 out of 100, Below average$23.2M11.9%2.38%vs

Deposit insurance

Is my money safe at Niagara Falls a F Federal Credit Union?

Yes. Niagara Falls a F Federal Credit Union is a federally insured credit union (NCUA charter #10613). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.27%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Niagara Falls a F Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Niagara Falls a F Federal Credit Union
Type
Federal credit union
NCUA charter #
10613
RSSD ID
197580
Primary regulator
NCUA
Established
1955
Headquarters
2420 Olmstead St, Niagara Falls, NY 14304
Employees
5

Quick answers

Niagara Falls a F Federal Credit Union: common questions

Is Niagara Falls a F Federal Credit Union NCUA insured?

Yes. Niagara Falls a F Federal Credit Union is a federally insured credit union (NCUA charter #10613). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Niagara Falls a F Federal Credit Union's TellerScore?

76 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Niagara Falls a F Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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