Niagara-Wheatfield

SANBORN, NY · 1 · Charter #14040 · www.nwfcuanytime.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
$21.3M
64th percentile
Members
1,837
62th percentile
Total loans
$10.1M
66th percentile
Total shares
$19.0M
66th percentile

Profitability

Return on assets
1.20%
68th percentile
Net interest margin
3.59%
36th percentile
Efficiency ratio
65.45%
53th percentile
Non-interest income ratio
2.77%
23th percentile

Capital & Risk

Net worth ratio
10.37%
18th percentile
Delinquency rate
1.96%
25th percentile
Net charge-off rate
-0.04%
94th percentile
Loan-to-share
53.22%
39th percentile

Growth

Member growth YoY
-0.65%
59th percentile
Asset growth YoY
0.20%
43th percentile
Loan growth YoY
-6.12%
37th percentile
Share growth YoY
-1.26%
38th percentile

Operations

Members / branch
919
43th percentile
Assets / member
$11,570
68th percentile
Field of membership penetration
36.74%
51th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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