Niagara's Choice

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$257.3M

3^th percentile

Members

21,992

33^th percentile

Total loans

$151.9M

5^th percentile

Total shares

$230.2M

6^th percentile

Profitability

Return on assets

0.83%

39^th percentile

Net interest margin

3.60%

61^th percentile

Efficiency ratio

75.40%

3^th percentile

Non-interest income ratio

16.48%

34^th percentile

Capital & Risk

Net worth ratio

10.84%

50^th percentile

Delinquency rate

1.21%

19^th percentile

Net charge-off rate

0.26%

69^th percentile

Loan-to-share

65.96%

21^th percentile

Growth

Member growth YoY

-1.39%

29^th percentile

Asset growth YoY

2.38%

28^th percentile

Loan growth YoY

3.05%

45^th percentile

Share growth YoY

3.73%

40^th percentile

Operations

Members / branch

4,398

46^th percentile

Assets / member

$11,700

11^th percentile

Field of membership penetration

1.86%

26^th percentile

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