NIAGARA-WHEATFIELD
Charter #14040 · SANBORN, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.22% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.11% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 4.75% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.01% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 70.78% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
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-WHEATFIELD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $21.46M | 39th pct | 21th pct |
| Members | 1,830 | 39th pct | 28th pct |
| Net worth ratio | 10.57% | 22th pct | 28th pct |
| Return on average assets | 1.22% | 77th pct | 89th pct |
| Net interest margin | 4.06% | 60th pct | 66th pct |
| Cost of funds | 0.11% | 8th pct | 15th pct |
| Loan-to-share | 50.75% | 39th pct | 51th pct |
| Delinquency 60+ days | 4.75% | 97th pct | 98th pct |
| Net charge-off ratio | -0.01% | 20th pct | 20th pct |
| Loan growth YoY | -5.78% | 25th pct | 20th pct |
| Share growth YoY | 2.11% | 46th pct | 41th pct |
| Efficiency ratio | 70.78% | 28th pct | 13th pct |
structural peer set hash: 8327ea9c659f4dd0e20688e847d194c3… (reproducible)
Closest structural peers
This is the free public view
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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.