Sanborn, New York · Peer group 3
Niagara-Wheatfield Credit Union
Niagara-Wheatfield Credit Union holds $21.5M in assets across 1,830 members as of Q1 2026 — about $12K of assets per member, on a charter dating to 1960. Charter number 14040, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $21.5M |
|---|---|
| Total loans | $9.7M |
| Total shares (deposits) | $19.2M |
| Net worth | $2.3M |
| Members | 1,830 |
| Assets per member | $12K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -1.1% | |
|---|---|---|
| Loans | -7.5% | around the 26th percentile of its peer group |
| Deposits | -3.0% | around the 23rd percentile of its peer group |
| Members | -0.7% | around the 58th percentile of its peer group |
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 | 50.8% | around the 39th percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.6% | around the 22nd percentile of its peer group |
| Return on assets | 1.22% | around the 77th percentile of its peer group |
| Delinquency ratio | 4.75% | higher than 97% of its peer group |
| Cash / assets | 11.9% | around the 54th 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-Wheatfield Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within New York — the comparison set a peer ratio is measured against.
- Le Roy Credit Union
LE ROY, NY
$21.6M · 1,542 members
- Niagara Falls a F Credit Union
Niagara Falls, NY
$21.3M · 1,678 members
- Local 804 Credit Union
Port Washington, NY
$21.7M · 3,166 members
- Crouse Credit Union
SYRACUSE, NY
$21.1M · 2,028 members
- Coopers Cave Credit Union
Glens Falls, NY
$21.9M · 1,926 members
- The Heart Center Credit Union
ROSLYN, NY
$20.9M · 2,580 members
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