PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Niagara Frontier Federal Employees

Niagara Falls, NY · Charter 63793

NCUA · 1 branch

Q4 2025

$2.0MAssets
$1.2MLoans
$1.8MShares
$208KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.22%, up 131 bps year over year; NIM at 5.43%.
  • Asset quality: problem loans at 0.00% of loans (-311 bps YoY).
  • Capital: net worth / assets of 10.20%, down 15 bps from a year ago.
  • Funding: loans stand at 63.59% of shares as of Q4 2025.

Financial Results

Return on Assets (YTD, annualized)

-1.22%+131 bps YoY

Net Interest Margin (YTD, annualized)

5.43%+27 bps YoY

Efficiency Ratio (YTD, annualized)

152.71%+1,132 bps YoY

Net Worth / Assets

10.20%-15 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2024Q1 2025Q2 2025Q3 2025Q4 2025YoY ΔTrend
Earnings
Return on Assets-2.53%-3.91%-3.89%-3.75%-1.22%+131 bps
Return on Equity-24.46%-41.01%-43.85%-44.83%-11.98%+1,248 bps
Net Interest Margin5.15%4.62%5.02%5.20%5.43%+27 bps
Efficiency Ratio141.39%174.29%168.19%163.61%152.71%+1,132 bps
Growth
Asset Growth (YoY)-16.93%-12.35%-11.22%-6.44%-9.40%+753 bps
Loan Growth (YoY)13.76%2.79%3.12%-6.25%-13.43%-2,719 bps
Share Growth (YoY)-14.03%-9.90%-8.25%-2.28%-9.24%+478 bps
Asset Quality
Delinquent Loans / Loans3.11%0.11%0.00%0.00%0.00%-311 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans3.45%3.54%3.62%3.61%0.43%-302 bps
Capital
Risk-Based Capital10.35%9.54%8.86%8.35%10.20%-15 bps
Net Worth / Assets10.35%9.54%8.86%8.35%10.20%-15 bps
Liquidity & Funding
Loans / Shares66.67%65.46%69.88%67.07%63.59%-307 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps