Charter 8693 · Niagara Falls, NY
Niagara's Choice Federal Credit Union
Niagara's Choice Federal Credit Union is a federally chartered credit union in Niagara Falls, New York, with $265 million in assets and 21,803 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.89%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $265 million
- +2.5% in a year
- Members
- 21,803
- -1.9% in a year
- Net worth ratio
- 10.89%
- Peer median 11.65%
- Loans 60+ days late
- 1.17%
- Peer median 0.70%
- Loans outstanding
- $154 million
- +4.0% in a year
- Shares and deposits
- $239 million
- +2.0% in a year
- Branches
- 5
- 55 employees
- Opened
- 1953
- Federal charter
How Niagara's Choice Federal Credit Union compares
NCUA groups credit unions by size; Niagara's Choice Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 10.89% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 1.17%, is higher than the group median of 0.70%. Loans grew 4.0% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 52 of 268 credit unions headquartered in New York. See all New York credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $265 million | 21,803 | $154 million | 10.89% | 1.17% |
| Q1 2026 | $264 million | 21,796 | $151 million | 10.73% | 0.87% |
| Q4 2025 | $257 million | 21,992 | $152 million | 10.84% | 1.21% |
| Q3 2025 | $256 million | 22,101 | $149 million | 10.94% | 0.47% |
| Q2 2025 | $259 million | 22,233 | $148 million | 10.62% | 1.04% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 1.2 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 5 sites for Niagara's Choice Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Packard Road (main office)
3619 Packard Rd, Niagara Falls, NY 14303 - North Tonawanda
3577 Niagara Falls Blvd, North Tonawanda, NY 14120 - Sawyer Drive
2131 Sawyer Dr, Niagara Falls, NY 14304 - Lockport office
260 West Ave, Lockport, NY 14094 - Main St office
900 Main St, Niagara Falls, NY 14301
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology