Alliance Niagara Federal Credit Union
LOCATIONS
1
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HEALTH RATING
C+
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CURRENT TOP RATE
4.31% APY
6 Months CD
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Overview / Commentary
Alliance Niagara Federal Credit Union is headquartered in Sanborn and is the 178th largest credit union in the state of New York. It is also the 3,135th largest credit union in the nation. It was established in 1967 and as of March of 2025, it had grown to 3 employees and 1,154 members at 1 location. Alliance Niagara Federal Credit Union's CD rates are 4X the national average, and it 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
Health
C+
Data as of Q1 2025
Learn why bank health mattersAdditional 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
| Overall | |
|---|---|
| NCUA # | 18409 |
| Year Chartered | 1967 |
| Employees | 3 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.27% |
| Return on Equity - YTD | 3.42% |
| Annual Interest Income | $180K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $22.4MM$21MM |
| Loans | Q1 2025vs Q1 2024 | $8.1MM$7.8MM |
| Deposits | Q1 2025vs Q1 2024 | $20.7MM$19.4MM |
| Equity Capital | Q1 2025vs Q1 2024 | $1.7MM$1.6MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $68K$64K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $151K$136K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |