Niagara Regional

North Tonawanda, NY · 1 · Charter #3285 · www.niagararegionalfcu.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
$37.6M
87th percentile
Members
2,371
74th percentile
Total loans
$23.7M
93th percentile
Total shares
$33.2M
89th percentile

Profitability

Return on assets
0.86%
52th percentile
Net interest margin
3.71%
40th percentile
Efficiency ratio
68.38%
46th percentile
Non-interest income ratio
13.93%
65th percentile

Capital & Risk

Net worth ratio
8.63%
8th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.12%
59th percentile
Loan-to-share
71.21%
65th percentile

Growth

Member growth YoY
-1.29%
51th percentile
Asset growth YoY
3.59%
66th percentile
Loan growth YoY
4.26%
77th percentile
Share growth YoY
3.05%
64th percentile

Operations

Members / branch
790
37th percentile
Assets / member
$15,859
88th percentile
Field of membership penetration
0.21%
1th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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