Alliance Niagara

SANBORN, NY · 1 · Charter #18409 · www.allianceniagara.com
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
$22.6M
66th percentile
Members
1,135
40th percentile
Total loans
$7.9M
58th percentile
Total shares
$20.8M
70th percentile

Profitability

Return on assets
0.49%
34th percentile
Net interest margin
2.53%
9th percentile
Efficiency ratio
56.22%
74th percentile
Non-interest income ratio
2.56%
22th percentile

Capital & Risk

Net worth ratio
8.06%
5th percentile
Delinquency rate
1.05%
40th percentile
Net charge-off rate
0.23%
48th percentile
Loan-to-share
38.00%
19th percentile

Growth

Member growth YoY
-1.65%
47th percentile
Asset growth YoY
5.57%
77th percentile
Loan growth YoY
-1.69%
56th percentile
Share growth YoY
5.51%
78th percentile

Operations

Members / branch
1,135
52th percentile
Assets / member
$19,936
96th percentile
Field of membership penetration
11.35%
24th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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