Niagara Falls Teachers
Niagara Falls, NY · Charter 98 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 1 branch
Q2 2026
$13.6MAssets
$4.7MLoans
$11.1MShares
$2.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 80% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 12 of 60).
- Widest gap: return on equity trails 57% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 34 of 60).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.08%
Rank 24 of 60
Net Interest Margin
4.12%
Rank 12 of 60
Efficiency Ratio
70.95%
Rank 21 of 60
Equity / Assets
18.43%
Rank 14 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.08% | 0.35% | 0.84% | 1.37% | Beats 60% | 24 / 60 | |
| Return on Equity | 5.89% | 2.76% | 6.36% | 10.04% | Beats 43% | 34 / 60 | |
| Net Interest Margin | 4.12% | 3.02% | 3.63% | 4.05% | Beats 80% | 12 / 60 | |
| Efficiency Ratio | 70.95% | 67.68% | 77.48% | 89.33% | Beats 67% | 21 / 60 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.42% | 0.32% | 0.64% | 1.44% | Beats 63% | 23 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.43% | 10.72% | 13.16% | 17.68% | Beats 77% | 14 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.43% | 10.72% | 13.16% | 17.68% | Beats 77% | 14 / 60 | |
| Liquidity & Funding |
| Loans / Deposits | 42.62% | 43.79% | 55.03% | 72.55% | 23rd pctl | 46 / 60 | |
| Loans / Assets | 34.76% | 36.50% | 47.22% | 58.67% | 18th pctl | 49 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |