Niagara Falls A F Credit Union

Niagara Falls A F Credit Union is headquartered in Niagara Falls and is the 229^th largest credit union in the state of New York. It is also the 4,398^th largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 4 employees and 2,525 members. Niagara Falls A F Credit Union has a 5-star health rating.

Niagara Falls A F Credit Union Savings Account Rates

Niagara Falls A F Credit Union Money Market Rates

Niagara Falls A F Credit Union CD Rates

Data for Q4 2011

Institution Statistics NIAGARA FALLS A F NCUA # 10613 BankRate Report View Year Chartered 1955 Employees 4 Primary Regulator Assets and Liabilities Assets $11.51 million Loans $3.74 million Deposits $9.79 million Equity Capital $1.70 million Loan Loss Allowance $28,000 Unbacked Noncurrent Loans $44,000 Historic Data - December 2010 Assets $11.14 million Equity Capital $1.63 million Loan Loss Allowance $41,000 Unbacked Noncurrent Loans $94,000 Profit Margin - Quarterly Net Interest Margin 6.94% Return on Assets 0.61% Return on Equity 4.12% Interest Income $390,000 Non-Interest Income $95,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Niagara Falls A F Credit Union had $44,000 in non-current loans and owned real-estate with $1.73 million in equity and loan loss allowances on hand to cover it. This gives Niagara Falls A F Credit Union a Texas Ratio of 2.55% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Niagara Falls A F Credit Union decreased significantly from 5.63% as of December 31, 2010 to 2.55% as of December 31, 2011, resulting in a positive change of 54.74%.This indicates that the balance sheet and financial strength for Niagara Falls A F Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Niagara Falls A F Credit Union has increased its total deposits by $299,000, resulting in 3.15% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Niagara Falls A F Credit Union has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Niagara Falls A F Credit Union has $11.51 million in assets with $1.73 million in equity, resulting in a capitalization level of 15.01%, which is excellent.

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