TellerScore

Niagara Regional Federal Credit Union is a federal credit union headquartered in North Tonawanda, New York, in business for about 87 years. At the end of Q2 2026 it reported $40.1M in total assets and $36.6M in member shares and deposits, with 2 offices.

Based on its Q2 2026 filing, Niagara Regional Federal Credit Union scores 65/100, which we describe as moderate. That is higher than only 30% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 173rd. Its strongest component is problem-loan coverage (95/100; 2.4%), and its lowest is capital cushion (34/100; 8.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion34/100
Net worth ratio: 8.43%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.32%
Earnings47/100
Return on assets (annualized): 0.67%
Funding & liquidity92/100
Loans ÷ shares: 67.8% · 3.3% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.37%

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 3 points (68 → 65), mostly because the loan quality component weakened by 9 points.

TellerScore
646770Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202467
Q4 202467
Q1 202568
Q2 202568
Q3 202569
Q4 202570
Q1 202666
Q2 202665
Net worth ratio
7.00%7.88%8.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.60%
Q3 20248.27%
Q4 20248.14%
Q1 20258.05%
Q2 20258.19%
Q3 20258.76%
Q4 20258.63%
Q1 20268.31%
Q2 20268.43%
Delinquent loans (60+ days)
0.00%0.16%0.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.06%
Q3 20250.17%
Q4 20250.00%
Q1 20260.21%
Q2 20260.32%
Return on assets
0.42%0.62%0.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.42%
Q3 20240.55%
Q4 20240.61%
Q1 20250.71%
Q2 20250.68%
Q3 20250.82%
Q4 20250.79%
Q1 20260.63%
Q2 20260.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$40.1M8.43%0.32%0.67%67.8%
Q1 202666$39.8M8.31%0.21%0.63%66.7%
Q4 202570$37.6M8.63%0.00%0.79%69.1%
Q3 202569$36.5M8.76%0.17%0.82%70.9%
Q2 202568$37.6M8.19%0.06%0.68%66.4%
Q1 202568$37.5M8.05%0.00%0.71%65.3%
Q4 202467$36.3M8.14%0.00%0.61%68.3%
Q3 202467$34.9M8.27%0.00%0.55%72.5%
Q2 202464$37.1M7.60%0.00%0.42%69.5%

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 ratio8.43%
6th
Problem loans0.32%
67th
Net charge-offs0.12%
55th
Return on assets0.67%
51st
Loans to deposits67.8%
37th
Uninsured deposits3.3%
33rd
Loan-loss reserves0.00%
37th
Texas ratio2.4%
49th

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Deposit insurance

Is my money safe at Niagara Regional Federal Credit Union?

Yes. Niagara Regional Federal Credit Union is a federally insured credit union (NCUA charter #3285). 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 3.3% of shares and deposits ($1.2M) 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 8.43%, slightly 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 Regional Federal Credit Union lists 2 offices in 1 city. Most locations:

  • North Tonawanda, NY (2)

All branch addresses and map

Identity & history

Profile

Legal name
Niagara Regional Federal Credit Union
Type
Federal credit union
NCUA charter #
3285
RSSD ID
632670
Primary regulator
NCUA
Established
1939
Headquarters
1285 Erie Ave, North Tonawanda, NY 14120
Employees
9

Quick answers

Niagara Regional Federal Credit Union: common questions

Is Niagara Regional Federal Credit Union NCUA insured?

Yes. Niagara Regional Federal Credit Union is a federally insured credit union (NCUA charter #3285). 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 Regional Federal Credit Union's TellerScore?

65 out of 100 (Moderate), 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 Regional Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
Moog Employees Federal Credit UnionCredit union East Aurora, NY100 out of 100, Very strong$257.3M26.6%0.00%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Greater Woodlawn Federal Credit UnionCredit union Blasdell, NY96 out of 100, Very strong$168.4M23.9%0.12%vs
Crossroads Community Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$96.9M15.3%0.18%vs
Town of Cheektowaga Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$38.1M17.2%0.00%vs
Titan Federal Credit UnionCredit union Pleasant Gap, PA94 out of 100, Very strong$69.5M15.4%0.31%vs