GREATER NIAGARA
Charter #9537 · NIAGARA FALLS, NY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.57% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.08% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 70.17% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 23rd percentile but its structural peers at the 51st — a 28-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 | GREATER NIAGARA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $68.60M | 44th pct | 61th pct |
| Members | 7,862 | 87th pct | 74th pct |
| Net worth ratio | 13.51% | 58th pct | 62th pct |
| Return on average assets | 1.57% | 87th pct | 89th pct |
| Net interest margin | 4.27% | 80th pct | 70th pct |
| Cost of funds | 0.08% | 6th pct | 5th pct |
| Loan-to-share | 45.71% | 23th pct | 51th pct |
| Delinquency 60+ days | 0.58% | 48th pct | 48th pct |
| Net charge-off ratio | 0.33% | 59th pct | 43th pct |
| Loan growth YoY | 0.67% | 69th pct | 85th pct |
| Share growth YoY | 1.90% | 39th pct | 38th pct |
| Efficiency ratio | 70.17% | 27th pct | 16th pct |
structural peer set hash: 935fd7877c671f8fa852b03abf580ba5… (reproducible)
Closest structural peers
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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.