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Alliance Niagara Federal Credit Union

Popular Accounts at this Credit Union

0.25%1-year CD12 Months CD
0.10%SavingsSpecial Savings
0.30%2-year CD24 Months CD

Overview / Commentary
3111 Saunders Settlement Rd
Sanborn, NY 14132

Alliance Niagara Federal Credit Union is headquartered in Sanborn and is the 196th largest credit union in the state of New York. It is also the 3,600th largest credit union in the nation. It was established in 1967 and as of December of 2017, it had grown to 2 employees and 1,442 members at 2 locations. Alliance Niagara Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership is open to employees and students of Niagara University and Niagara County Community College.
See current membership details

Reviews (1)

They genuinely care

Posted by: Mchalatvoi | Oct 6, 2017

I have had a checking account with this credit union for about 19 years. They are always welcoming when you walk in, and they greet you by name once they become familiar with you. I went years without using the account because I didn't need it for awhile. They kept the account open for me and let me use it only when I wanted to. They never charged a fee or made me feel guilty for not using them. One time my insurance company, in error, deducted my monthly premium out of the account (twice) when there were no funds in there. As soon as I realized what happened, I went to the credit union and explained what happened. Without even questioning it, they waived the overdraft fees that were charged on my account. They are just an all-around friendly credit union that genuinely care about their customers, no matter what.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Alliance Niagara Federal Credit Union has a low asset base.

Health Grade Components

NCUA #18409
Year Chartered1967
Primary Regulator
Profit Margin
Return on Assets - YTD0.1%
Return on Equity - YTD1.34%
Annual Interest Income$425.00K
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$16.6MM$16.2MM
LoansQ4 2017vs Q4 2016$5.8MM$5.4MM
DepositsQ4 2017vs Q4 2016$15.4MM$15.0MM
Equity CapitalQ4 2017vs Q4 2016$1.2MM$1.2MM
Loan Loss AllowanceQ4 2017vs Q4 2016$35.00K$35.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$125.00K$120.00K
Real Estate OwnedQ4 2017vs Q4 2016$0$0
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Alliance Niagara Federal Credit Union Savings Account Rates

0.50%--IRA Savers
0.10%$100-Shares Account
0.10%$100-Christmas Club
0.10%$100-Vacation Club
0.10%$100-Special Savings

Alliance Niagara Federal Credit Union CD Rates

0.30%$1k-24 Months CD
0.25%$1k-12 Months CD
0.20%$1k-6 Months CD

Alliance Niagara Federal Credit Union Locations
Branch Office3111 Saunders Settlement RdSanborn, NY 14132
Branch OfficeMarian Hall University DrNiagara University, NY 14109-9809