Greater Together
Niagara Falls, NY · Charter 9537 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 2 branches
Q2 2026
$69.5MAssets
$29.8MLoans
$59.5MShares
$9.5MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 83% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 10 of 60).
- Widest gap: nonperforming loans / loans trails 77% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 47 of 60).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.50%
Rank 10 of 60
Net Interest Margin
4.12%
Rank 13 of 60
Efficiency Ratio
71.44%
Rank 23 of 60
Equity / Assets
13.69%
Rank 26 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.50% | 0.35% | 0.84% | 1.37% | Beats 83% | 10 / 60 | | |
| Return on Equity | 10.97% | 2.76% | 6.36% | 10.04% | Beats 82% | 11 / 60 | | |
| Net Interest Margin | 4.12% | 3.02% | 3.63% | 4.05% | Beats 78% | 13 / 60 | | |
| Efficiency Ratio | 71.44% | 67.68% | 77.48% | 89.33% | Beats 63% | 23 / 60 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.64% | 0.32% | 0.64% | 1.44% | Beats 23% | 47 / 60 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.69% | 10.72% | 13.16% | 17.68% | Beats 57% | 26 / 60 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.69% | 10.72% | 13.16% | 17.68% | Beats 57% | 26 / 60 | | |
| Liquidity & Funding |
| Loans / Deposits | 50.14% | 43.79% | 55.03% | 72.55% | 37th pctl | 38 / 60 | | |
| Loans / Assets | 42.89% | 36.50% | 47.22% | 58.67% | 40th pctl | 36 / 60 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |