NIAGARA REGIONAL
Charter #3285 · North Tonawanda, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 239,300 ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 8.31% sits at the 8th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 82nd percentile but its structural peers at the 46th — a 36-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 REGIONAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $39.78M | 82th pct | 46th pct |
| Members | 239,300 | 100th pct | 98th pct |
| Net worth ratio | 8.31% | 6th pct | 8th pct |
| Return on average assets | 0.65% | 50th pct | 44th pct |
| Net interest margin | 3.66% | 41th pct | 49th pct |
| Cost of funds | 0.81% | 48th pct | 34th pct |
| Loan-to-share | 66.67% | 65th pct | 64th pct |
| Delinquency 60+ days | 0.21% | 30th pct | 36th pct |
| Net charge-off ratio | 0.13% | 50th pct | 56th pct |
| Loan growth YoY | 3.01% | 87th pct | 75th pct |
| Share growth YoY | 9.53% | 94th pct | 87th pct |
| Efficiency ratio | 81.49% | 53th pct | 54th pct |
structural peer set hash: 8476b09172504a116811cb72f540ca2d… (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.