TellerScore

Niagara Falls Teachers Federal Credit Union is a federal credit union headquartered in Niagara Falls, New York, in business for about 91 years. At the end of Q2 2026 it reported $13.6M in total assets and $11.1M in member shares and deposits.

Niagara Falls Teachers Federal Credit Union has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 87% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 32nd. Capital cushion contributes the most (100/100, 18.43%); earnings contributes the least (64/100, 1.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.43%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.43%
Earnings64/100
Return on assets (annualized): 1.09%
Funding & liquidity100/100
Loans ÷ shares: 42.6% · 0.7% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.81%

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 fell 7 points (96 → 89), mostly because the earnings component weakened by 18 points.

TellerScore
859299Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202491
Q4 202489
Q1 202594
Q2 202596
Q3 202599
Q4 202595
Q1 202690
Q2 202689
Net worth ratio
7.00%13.13%19.26%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.80%
Q3 202416.79%
Q4 202416.97%
Q1 202517.31%
Q2 202517.55%
Q3 202519.26%
Q4 202518.99%
Q1 202618.19%
Q2 202618.43%
Delinquent loans (60+ days)
0.00%0.21%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.21%
Q3 20240.03%
Q4 20240.01%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.43%
Return on assets
0.34%1.11%1.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.34%
Q3 20240.91%
Q4 20240.63%
Q1 20251.28%
Q2 20251.54%
Q3 20251.88%
Q4 20251.43%
Q1 20260.71%
Q2 20261.09%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$13.6M18.43%0.43%1.09%42.6%
Q1 202690$13.5M18.19%0.00%0.71%46.0%
Q4 202595$11.8M18.99%0.00%1.43%45.0%
Q3 202599$11.6M19.26%0.00%1.88%47.0%
Q2 202596$12.3M17.55%0.00%1.54%44.5%
Q1 202594$12.1M17.31%0.00%1.28%47.4%
Q4 202489$12.2M16.97%0.01%0.63%48.9%
Q3 202491$12.3M16.79%0.03%0.91%51.7%
Q2 202485$12.7M15.80%0.21%0.34%49.5%

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 ratio18.43%
71st
Problem loans0.43%
61st
Net charge-offs0.19%
49th
Return on assets1.09%
71st
Loans to deposits42.6%
74th
Uninsured deposits0.7%
57th
Loan-loss reserves0.00%
37th
Texas ratio0.8%
69th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Oneida County Federal Credit UnionCredit union Utica, NY73 out of 100, Strong$13.5M12.5%0.38%vs
Afgm Enterprises Federal Credit UnionCredit union Cheektowaga, NY76 out of 100, Strong$13.4M25.6%1.16%vs
Greece Community Federal Credit UnionCredit union Rochester, NY83 out of 100, Strong$13.0M12.3%0.05%vs
Transfiguration Parish Federal Credit UnionCredit union Brooklyn, NY57 out of 100, Moderate$12.9M6.6%0.09%vs
Dunlop Employees Federal Credit UnionCredit union Buffalo, NY72 out of 100, Strong$14.7M13.5%1.70%vs
Tompkins Employees Federal Credit UnionCredit union Ithaca, NY46 out of 100, Below average$12.1M10.2%5.70%vs

Deposit insurance

Is my money safe at Niagara Falls Teachers Federal Credit Union?

Yes. Niagara Falls Teachers Federal Credit Union is a federally insured credit union (NCUA charter #98). 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 0.7% of shares and deposits ($79K) 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 18.43%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Niagara Falls Teachers Federal Credit Union
Type
Federal credit union
NCUA charter #
98
RSSD ID
5171
Primary regulator
NCUA
Established
1935
Headquarters
6040 Lindbergh Ave, Niagara Falls, NY 14304
Employees
5

Quick answers

Niagara Falls Teachers Federal Credit Union: common questions

Is Niagara Falls Teachers Federal Credit Union NCUA insured?

Yes. Niagara Falls Teachers Federal Credit Union is a federally insured credit union (NCUA charter #98). 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 Teachers Federal Credit Union's TellerScore?

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