TellerScore

Niagara'S Choice Federal Credit Union is a federal credit union headquartered in Niagara Falls, New York, in business for about 73 years. At the end of Q2 2026 it reported $265.4M in total assets and $239.1M in member shares and deposits, with 4 offices.

Based on its Q2 2026 filing, Niagara'S Choice Federal Credit Union scores 66/100, which we describe as moderate. That is higher than only 37% of 1,341 credit unions with $100 million – $1 billion. Among 268 credit unions headquartered in New York, it ranks 164th. Its strongest component is funding & liquidity (96/100; 64% loans-to-deposits, 2% uninsured), and its lowest is earnings (51/100; 0.77%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Net worth ratio: 10.89%
Loan quality61/100
Loans 60+ days delinquent ÷ total loans: 1.17%
Earnings51/100
Return on assets (annualized): 0.77%
Funding & liquidity96/100
Loans ÷ shares: 64.4% · 1.6% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.24%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (67 → 66).

TellerScore
576573Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202459
Q4 202469
Q1 202567
Q2 202567
Q3 202573
Q4 202565
Q1 202668
Q2 202666
Net worth ratio
7.00%8.97%10.94%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.81%
Q3 202410.27%
Q4 202410.49%
Q1 202510.37%
Q2 202510.62%
Q3 202510.94%
Q4 202510.84%
Q1 202610.73%
Q2 202610.89%
Delinquent loans (60+ days)
0.47%1.03%1.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.59%
Q3 20241.53%
Q4 20240.79%
Q1 20250.92%
Q2 20251.04%
Q3 20250.47%
Q4 20251.21%
Q1 20260.87%
Q2 20261.17%
Return on assets
0.50%0.68%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.50%
Q3 20240.58%
Q4 20240.80%
Q1 20250.78%
Q2 20250.86%
Q3 20250.84%
Q4 20250.72%
Q1 20260.61%
Q2 20260.77%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$265.4M10.89%1.17%0.77%64.4%
Q1 202668$263.7M10.73%0.87%0.61%63.3%
Q4 202565$257.3M10.84%1.21%0.72%64.8%
Q3 202573$256.0M10.94%0.47%0.84%64.2%
Q2 202567$258.8M10.62%1.04%0.86%63.1%
Q1 202567$259.2M10.37%0.92%0.78%62.4%
Q4 202469$251.3M10.49%0.79%0.80%64.5%
Q3 202459$251.5M10.27%1.53%0.58%63.9%
Q2 202457$258.5M9.81%1.59%0.50%62.5%

1,341 peers · $100 million – $1 billion

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 ratio10.89%
42nd
Problem loans1.17%
23rd
Net charge-offs0.17%
75th
Return on assets0.77%
52nd
Loans to deposits64.4%
71st
Uninsured deposits1.6%
93rd
Loan-loss reserves0.00%
50th
Texas ratio6.2%
30th

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Deposit insurance

Is my money safe at Niagara'S Choice Federal Credit Union?

Yes. Niagara'S Choice Federal Credit Union is a federally insured credit union (NCUA charter #8693). 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 1.6% of shares and deposits ($3.8M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.89%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Niagara'S Choice Federal Credit Union lists 4 offices in 2 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Niagara'S Choice Federal Credit Union reported 192 home-loan applications under HMDA (LEI 549300V56OLT434ILO42): 136 originated ($13,580,000 total), 53 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 28.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Niagara'S Choice Federal Credit Union
Type
Federal credit union
NCUA charter #
8693
RSSD ID
265788
Primary regulator
NCUA
Established
1953
Headquarters
3619 Packard Rd, Niagara Falls, NY 14303
Employees
55

Quick answers

Niagara'S Choice Federal Credit Union: common questions

Is Niagara'S Choice Federal Credit Union NCUA insured?

Yes. Niagara'S Choice Federal Credit Union is a federally insured credit union (NCUA charter #8693). 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'S Choice Federal Credit Union's TellerScore?

66 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'S Choice Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Niagara Falls

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