NIAGARA FALLS A F
Charter #10613 · Niagara Falls, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.76% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 1.42% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.56% sits at the 80th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 39th percentile but its structural peers at the 21st — a 18-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | NIAGARA FALLS A F | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $21.28M | 39th pct | 21th pct |
| Members | 1,678 | 32th pct | 30th pct |
| Net worth ratio | 11.50% | 32th pct | 41th pct |
| Return on average assets | 0.62% | 49th pct | 44th pct |
| Net interest margin | 2.76% | 10th pct | 13th pct |
| Cost of funds | 1.42% | 76th pct | 79th pct |
| Loan-to-share | 45.07% | 28th pct | 39th pct |
| Delinquency 60+ days | 1.56% | 79th pct | 80th pct |
| Net charge-off ratio | -0.01% | 21th pct | 26th pct |
| Loan growth YoY | 3.16% | 88th pct | 89th pct |
| Share growth YoY | 6.43% | 83th pct | 74th pct |
| Efficiency ratio | 79.63% | 48th pct | 48th pct |
structural peer set hash: f3c4742bd35c8bed9fcb1efb3311d9be… (reproducible)
Closest structural peers
This is the free public view
Claim NIAGARA FALLS A F
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.