TellerScore

Niagara-Wheatfield Federal Credit Union is a federal credit union headquartered in Sanborn, New York, in business for about 66 years. At the end of Q2 2026 it reported $21.4M in total assets and $19.1M in member shares and deposits, with 2 offices.

Niagara-Wheatfield Federal Credit Union has a TellerScore of 50 out of 100 (below average) based on Q2 2026 data — higher than only 9% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 244th. Funding & liquidity contributes the most (100/100, 49% loans-to-deposits, 0% uninsured); loan quality contributes the least (0/100, 4.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion57/100
Net worth ratio: 10.72%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 4.03%
Earnings54/100
Return on assets (annualized): 0.84%
Funding & liquidity100/100
Loans ÷ shares: 48.8% · 0.1% uninsured
Problem-loan coverage67/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 16.42%

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 14 points (64 → 50), mostly because the loan quality component weakened by 58 points.

TellerScore
506171Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202456
Q4 202454
Q1 202567
Q2 202564
Q3 202571
Q4 202562
Q1 202652
Q2 202650
Net worth ratio
7.00%8.86%10.72%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.47%
Q3 20248.62%
Q4 20248.60%
Q1 20259.20%
Q2 20259.58%
Q3 202510.16%
Q4 202510.37%
Q1 202610.57%
Q2 202610.72%
Delinquent loans (60+ days)
0.18%2.46%4.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.18%
Q3 20241.37%
Q4 20241.63%
Q1 20250.71%
Q2 20251.25%
Q3 20250.83%
Q4 20251.96%
Q1 20264.75%
Q2 20264.03%
Return on assets
0.45%0.84%1.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.45%
Q3 20240.58%
Q4 20240.63%
Q1 20250.92%
Q2 20251.00%
Q3 20251.15%
Q4 20251.21%
Q1 20261.22%
Q2 20260.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202650$21.4M10.72%4.03%0.84%48.8%
Q1 202652$21.5M10.57%4.75%1.22%50.8%
Q4 202562$21.3M10.37%1.96%1.21%53.2%
Q3 202571$20.9M10.16%0.83%1.15%55.0%
Q2 202564$21.4M9.58%1.25%1.00%54.2%
Q1 202567$21.7M9.20%0.71%0.92%53.2%
Q4 202454$21.2M8.60%1.63%0.63%56.0%
Q3 202456$22.1M8.62%1.37%0.58%56.6%
Q2 202466$22.0M8.47%0.18%0.45%54.0%

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 ratio10.72%
22nd
Problem loans4.03%
8th
Net charge-offs0.09%
59th
Return on assets0.84%
60th
Loans to deposits48.8%
66th
Uninsured deposits0.1%
61st
Loan-loss reserves0.00%
37th
Texas ratio16.4%
6th

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Deposit insurance

Is my money safe at Niagara-Wheatfield Federal Credit Union?

Yes. Niagara-Wheatfield Federal Credit Union is a federally insured credit union (NCUA charter #14040). 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 0.1% of shares and deposits ($28K) 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 10.72%, 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-Wheatfield Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Niagara-Wheatfield Federal Credit Union
Type
Federal credit union
NCUA charter #
14040
RSSD ID
195380
Primary regulator
NCUA
Established
1960
Headquarters
Po Box 265, 2346 Saunders Settlemen, Sanborn, NY 14132
Employees
3

Quick answers

Niagara-Wheatfield Federal Credit Union: common questions

Is Niagara-Wheatfield Federal Credit Union NCUA insured?

Yes. Niagara-Wheatfield Federal Credit Union is a federally insured credit union (NCUA charter #14040). 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-Wheatfield Federal Credit Union's TellerScore?

50 out of 100 (Below average), 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-Wheatfield Federal Credit Union have?

2 offices as of the latest NCUA data.

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