Niagara Frontier Federal Municipal

NIAGARA FALLS, NY · 2 · Charter #63793 · www.nffmecu.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
$2.0M
13th percentile
Members
270
9th percentile
Total loans
$1.2M
16th percentile
Total shares
$1.8M
15th percentile

Profitability

Return on assets
-1.22%
5th percentile
Net interest margin
5.43%
90th percentile
Efficiency ratio
140.89%
2th percentile
Non-interest income ratio
11.01%
56th percentile

Capital & Risk

Net worth ratio
10.20%
17th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
-0.29%
98th percentile
Loan-to-share
63.59%
54th percentile

Growth

Member growth YoY
-14.01%
2th percentile
Asset growth YoY
-9.40%
6th percentile
Loan growth YoY
-13.43%
15th percentile
Share growth YoY
-9.24%
9th percentile

Operations

Members / branch
270
11th percentile
Assets / member
$7,567
35th percentile
Field of membership penetration
27.00%
40th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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