Niagara Falls A F Federal Credit Union

Credit UnionFCUNiagara Falls, NY·Est. 1955·NCUA #10613Compare ⇄▤ Account brief

Total assets

$21.3M

▲ +5.6% YoY

Shares & deposits

$18.8M

▲ +5.8% YoY

Loans

$8.5M

▲ +5.1% YoY

Members

1,678

▼ -1.0% YoY

ROA (annualized)

0.62%

peers 0.60%

ROE (annualized)

5.37%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	+5.6%	+1.3%	+4.3 pts
Share growth (YoY)	+5.8%	+0.7%	+5.2 pts
Loan growth (YoY)	+5.1%	-2.4%	+7.5 pts
ROA	0.62%	0.60%	+0.0 pts
ROE	5.4%	4.1%	+1.3 pts

ROA ranks in the 50th percentile of its peer group · Q1 2026

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q1 2026	$21.3M	$18.8M	$8.5M	$2.4M	$33K	0.62%	2.74%	1.56%	1,678
Q4 2025	$21.0M	$18.5M	$8.2M	$2.4M	$55K	0.26%	2.57%	0.28%	1,689
Q3 2025	$20.1M	$17.7M	$8.2M	$2.4M	$46K	0.31%	2.62%	0.50%	1,676
Q2 2025	$20.4M	$18.0M	$8.2M	$2.4M	$24K	0.23%	2.52%	0.56%	1,687
Q1 2025	$20.2M	$17.8M	$8.1M	$2.4M	$8K	0.17%	2.41%	0.28%	1,695
Q4 2024	$19.9M	$17.5M	$7.9M	$2.4M	$46K	0.23%	2.38%	0.63%	1,704
Q3 2024	$19.8M	$17.4M	$8.1M	$2.4M	$35K	0.24%	2.32%	1.28%	1,711
Q2 2024	$19.7M	$17.3M	$8.3M	$2.3M	$8K	0.08%	2.25%	1.10%	1,705

Delinquency up·Delinquency up 1.28 pts YoY — Credit stress; collections and risk analytics get budget

Earlier quarters (1)

Profitability

Ratio	Value	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	0.62%	0.60%	50th
Return on equity Annualized net income ÷ equity or net worth	5.4%	4.1%	59th
Net interest margin Interest income − interest expense, ÷ assets	2.74%	3.83%

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Ratio	Value	Peer median
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand	00.0%	00.0%
Loans-to-assets How much of the balance sheet is lent out	00.0%	00.0%
Securities-to-assets Investment portfolio as a share of assets	00.0%	00.0%
Cash-to-assets On-balance-sheet liquidity	00.0%	00.0%

Ratio	Value	Peer median
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans	00.0%	00.0%
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans	00.0%	00.0%
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300%	00.0%	00.0%

Ratio	Value	Trend (8q)	Peer median	Peer percentile
Loans per member Member borrowing depth	00.0%		00.0%
Deposits per member Member relationship depth	00.0%		00.0%