Niagara Falls, New York · Peer group 5
Niagara's Choice Credit Union
Niagara's Choice Credit Union holds $263.7M in assets across 21,796 members as of Q1 2026 — about $12K of assets per member, on a charter dating to 1953. Charter number 8693, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $263.7M |
|---|---|
| Total loans | $150.6M |
| Total shares (deposits) | $237.9M |
| Net worth | $28.3M |
| Members | 21,796 |
| Assets per member | $12K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.7% | |
|---|---|---|
| Loans | 2.2% | around the 47th percentile of its peer group |
| Deposits | 0.7% | around the 27th percentile of its peer group |
| Members | -2.1% | around the 28th 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 | 63.3% | around the 33rd percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.7% | around the 39th percentile of its peer group |
| Return on assets | 0.61% | around the 44th percentile of its peer group |
| Delinquency ratio | 0.87% | around the 70th percentile of its peer group |
| Cash / assets | 8.0% | around the 31st percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Niagara's Choice 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.
- Saint Lawrence Credit Union
Ogdensburg, NY
$267.7M · 13,338 members
- Moog Employees Credit Union
EAST AURORA, NY
$255.1M · 8,606 members
- Finger Lakes Credit Union
GENEVA, NY
$253.1M · 19,950 members
- Ghs Credit Union
Binghamton, NY
$246.7M · 18,850 members
- Tct Credit Union
BALLSTON SPA, NY
$292.0M · 14,607 members
- Western Division Credit Union
WILLIAMSVILLE, NY
$225.6M · 11,515 members
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