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Overview / Commentary
NIAGARA FALLS, NY 14304-1251

Greater Niagara Federal Credit Union is headquartered in NIAGARA FALLS and is the 121st largest credit union in the state of New York. It is also the 2,401st largest credit union in the nation. It was established in 1954 and as of December of 2016, it had grown to 13 employees and 8,396 members at 2 locations. Greater Niagara Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, attend school, or conduct business in Niagara County.
See current membership details


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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. Greater Niagara Federal Credit Union has a low asset base.

Health Grade Components

NCUA #9537
Year Chartered1954
Primary Regulator
Profit Margin
Return on Assets - YTD0.49%
Return on Equity - YTD4.14%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$46.9MM$44.0MM
LoansQ4 2016vs Q4 2015$22.6MM$20.8MM
DepositsQ4 2016vs Q4 2015$41.3MM$38.7MM
Equity CapitalQ4 2016vs Q4 2015$5.5MM$5.3MM
Loan Loss AllowanceQ4 2016vs Q4 2015$43.00K$19.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$58.00K$82.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0

Rates for Greater Niagara Federal Credit Union are currently being reviewed.


Greater Niagara Federal Credit Union Locations
Branch Office2901 MILITARY RDNIAGARA FALLS, NY 14304-1251
Branch Office160 WARD RDNORTH TONAWANDA, NY 14120-2446