Niagara's Choice Federal Credit Union

Niagara Falls, NY

Rating Date

July 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

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Weiss Ratings	Niagara's Choice Federal Credit Union Niagara Falls, NY	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	7.90
Capitalization Index	6.20
Liquidity Index	3.90
Profitability Index	5.20
Stability Index	5.10

Company Info	Niagara's Choice Federal Credit Union Niagara Falls, NY	Click to Compare	Click to Compare	Click to Compare
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 Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-0.20%
5-Year Asset Growth	5.07%
5-Year Charge-Offs to Average Loans	0.33%
Charge-Offs to Average Loans	0.29%
Non-Performing Assets to Assets	0.52%
Non-Performing Loans to Capital	5.72%
Non-Performing Loans to Loans	0.92%

Balance Sheet	Niagara's Choice Federal Credit Union Niagara Falls, NY	Click to Compare	Click to Compare	Click to Compare
Total Assets	259.18M
Total Deposits	236.18M

Capital and Reserves	Niagara's Choice Federal Credit Union Niagara Falls, NY	Click to Compare	Click to Compare	Click to Compare
Capital	22.34M
Leverage Ratio	10.39
Loan Loss Reserves to Loans	0.83%

Liquidity	Niagara's Choice Federal Credit Union Niagara Falls, NY	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	2.68%
Liquidity Ratio	19.27%

Profitability	Niagara's Choice Federal Credit Union Niagara Falls, NY	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.60%
Net Income	507.00K
Net Interest Spread	3.94%
Operating Profit to Average Assets	1.05%
Overhead Efficiency Ratio	75.37%
Return on Assets	0.79%
Return on Equity	9.41%