Niagara Falls Teachers

Niagara Falls, NY · 1 · Charter #98 · www.nftfcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$11.8M
46th percentile
Members
1,230
44th percentile
Total loans
$4.3M
39th percentile
Total shares
$9.5M
46th percentile

Profitability

Return on assets
1.40%
76th percentile
Net interest margin
4.01%
51th percentile
Efficiency ratio
60.38%
64th percentile
Non-interest income ratio
1.11%
15th percentile

Capital & Risk

Net worth ratio
18.99%
70th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.01%
72th percentile
Loan-to-share
45.00%
28th percentile

Growth

Member growth YoY
-2.84%
35th percentile
Asset growth YoY
-3.35%
23th percentile
Loan growth YoY
-13.26%
15th percentile
Share growth YoY
-5.78%
18th percentile

Operations

Members / branch
615
28th percentile
Assets / member
$9,553
53th percentile
Field of membership penetration
61.50%
78th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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