Niagara's Choice Federal Credit Union
Major Rating Factors:
Excellent current capitalization (7.7 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 10.8. A current level of 6.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (4.9) profitability.
Asset Mix:
Consumer loans (25%), home mtgs (21%), comm loans (1%), other (54%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
3619 Packard Road
Niagara Falls, NY 14303
Niagara Falls, NY 14303
Phone Number
(716) 284-4110
NCUA Charter Number
Website
Largest Competitors
Niagara Falls, NY
Niagara Falls, NY
Niagara Falls, NY
Niagara Falls, NY
Niagara Falls, NY