NIAGARA FALLS TEACHERS
Charter #98 · Niagara Falls, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.61% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.14% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.49% sits at the 77th percentile of structural peers — worth a closer look.
- On Return on average assets, the asset-size band puts this credit union at the 56th percentile but its structural peers at the 36th — a 20-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 TEACHERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.54M | 15th pct | 31th pct |
| Members | 1,473 | 24th pct | 33th pct |
| Net worth ratio | 18.19% | 78th pct | 69th pct |
| Return on average assets | 0.76% | 56th pct | 36th pct |
| Net interest margin | 4.61% | 82th pct | 87th pct |
| Cost of funds | 0.14% | 10th pct | 3th pct |
| Loan-to-share | 46.04% | 30th pct | 44th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.49% | 71th pct | 77th pct |
| Loan growth YoY | 16.36% | 100th pct | 93th pct |
| Share growth YoY | 18.82% | 99th pct | 97th pct |
| Efficiency ratio | 74.62% | 37th pct | 49th pct |
structural peer set hash: 87e64a18eba01cdb0c9bdb0b580019e0… (reproducible)
Closest structural peers
This is the free public view
Claim NIAGARA FALLS TEACHERS
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.