B
Niagara's Choice Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
9.69
Leverage
Ratio
10.95
Return On
Assets
0.84%
Total
Assets
255.98M
Capital
24.80M
Total
Deposits
231.64M
Net
Income
1.62M
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Weiss Ratings Niagara's Choice Federal Credit Union
Niagara Falls, NY 		Click to
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Rating B
Asset Quality Index 9.60
Capitalization Index 7.30
Liquidity Index 4.00
Profitability Index 5.90
Stability Index 5.40
Company Info Niagara's Choice Federal Credit Union
Niagara Falls, NY 		Click to
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NCUA Charter Number 1815
Phone Number (716) 284-4110
Website www.niagaraschoice.org/
Asset Quality Niagara's Choice Federal Credit Union
Niagara Falls, NY 		Click to
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1-Year Asset Growth 1.80%
5-Year Asset Growth 5.07%
5-Year Charge-Offs to Average Loans 0.33%
Charge-Offs to Average Loans 0.28%
Non-Performing Assets to Assets 0.27%
Non-Performing Loans to Capital 2.67%
Non-Performing Loans to Loans 0.47%
Balance Sheet Niagara's Choice Federal Credit Union
Niagara Falls, NY 		Click to
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Total Assets 255.98M
Total Deposits 231.64M
Capital and Reserves Niagara's Choice Federal Credit Union
Niagara Falls, NY 		Click to
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Capital 24.80M
Leverage Ratio 10.95
Loan Loss Reserves to Loans 0.79%
Liquidity Niagara's Choice Federal Credit Union
Niagara Falls, NY 		Click to
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Hot Money Ratio 2.73%
Liquidity Ratio 22.84%
Profitability Niagara's Choice Federal Credit Union
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5-Year Return on Average Assets 0.60%
Net Income 1.62M
Net Interest Spread 4.14%
Operating Profit to Average Assets 1.00%
Overhead Efficiency Ratio 77.17%
Return on Assets 0.84%
Return on Equity 9.43%