Niagara Frontier Federal Employees
Niagara Falls, NY · Charter 63793 · Peer group: credit unions under $1B in assets in NY (n=107)
NCUA · 1 branch
Q4 2025
$2.0MAssets
$1.2MLoans
$1.8MShares
$208KNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of credit unions under $1B in assets in NY (rank 12 of 107).
- Widest gap: return on equity trails 100% of credit unions under $1B in assets in NY (rank 107 of 107).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
-1.22%
Rank 105 of 107
Net Interest Margin
5.38%
Rank 5 of 107
Efficiency Ratio
153.60%
Rank 104 of 107
Equity / Assets
10.18%
Rank 84 of 107
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.22% | 0.42% | 0.92% | 1.36% | Beats 2% | 105 / 107 | |
| Return on Equity | -12.02% | 3.80% | 7.58% | 10.43% | Beats 0% | 107 / 107 | |
| Net Interest Margin | 5.38% | 3.18% | 3.63% | 4.13% | Beats 95% | 5 / 107 | |
| Efficiency Ratio | 153.60% | 65.85% | 74.81% | 83.64% | Beats 4% | 104 / 107 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.27% | 0.79% | 1.35% | Beats 100% | 12 / 107 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.20% | 10.29% | 11.95% | 14.95% | Beats 22% | 83 / 107 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.18% | 10.29% | 11.95% | 14.95% | Beats 21% | 84 / 107 | |
| Liquidity & Funding |
| Loans / Deposits | 63.59% | 43.75% | 61.23% | 78.36% | 53rd pctl | 50 / 107 | |
| Loans / Assets | 57.12% | 37.83% | 52.55% | 66.10% | 58th pctl | 45 / 107 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |