North Tonawanda, New York · Peer group 3
Niagara Regional Credit Union
Niagara Regional Credit Union holds $39.8M in assets across 239,300 members as of Q1 2026 — about $166 of assets per member, on a charter dating to 1939. Charter number 3285, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $39.8M |
|---|---|
| Total loans | $24.2M |
| Total shares (deposits) | $36.4M |
| Net worth | $3.3M |
| Members | 239,300 |
| Assets per member | $166 |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | — |
|---|---|
| Loans | — |
| Deposits | — |
| Members | — |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 66.7% | around the 65th percentile of its peer group |
|---|---|---|
| Net worth ratio | 8.3% | lower than 94% of its peer group |
| Return on assets | 0.63% | around the 49th percentile of its peer group |
| Delinquency ratio | 0.21% | around the 30th percentile of its peer group |
| Cash / assets | 6.9% | around the 23rd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Niagara Regional Credit Union’s own reported position. A CUSignals subscription adds the layer on top of it: how likely it is to merge, with a calibrated one-year probability; how attractive it would be to an acquirer; a liquidity-stress score and funding-need flag; whether it buys or sells loan participations; and which platforms it runs. Each score shows the plain-English reason it moved and the weights that built it.
Similar credit unions
Closest in size within New York — the comparison set a peer ratio is measured against.
- Utica District Telephone Employees Credit Union
UTICA, NY
$40.0M · 1,669 members
- Twin Rivers Credit Union
Massena, NY
$39.4M · 2,576 members
- Westchester Schools' Credit Union
Rye Brook, NY
$40.5M · 2,751 members
- Italo-American Credit Union
Glendale, NY
$40.6M · 599 members
- Town of Cheektowaga Credit Union
CHEEKTOWAGA, NY
$37.8M · 1,483 members
- Parks Heritage Credit Union
GLENS FALLS, NY
$41.9M · 3,695 members
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