Niagara Regional Federal Credit Union

Overview / Commentary
1285 Erie Ave
North Tonawanda, NY 14120

Niagara Regional Federal Credit Union is headquartered in North Tonawanda and is the 144th largest credit union in the state of New York. It is also the 2,743rd largest credit union in the nation. It was established in 1939 and as of June of 2019, it had grown to 8 employees and 2,630 members at 2 locations. Niagara Regional Federal Credit Union's CD rates are 83% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Niagara Regional Federal Credit Union is open to those who live, worship, work, attend school, or volunteer in Niagara County, or in the Erie County communities of Amherst, Grand Island, or Tonawanda in New York. Immediate family members of eligible individuals also qualify for membership.
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. Niagara Regional Federal Credit Union has a low asset base.

Health Grade Components

NCUA #3285
Year Chartered1939
Primary Regulator
Profit Margin
Return on Assets - YTD-0.54%
Return on Equity - YTD-5.79%
Annual Interest Income$550.00K
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$34.0MM$30.9MM
LoansQ2 2019vs Q2 2018$19.4MM$18.4MM
DepositsQ2 2019vs Q2 2018$30.6MM$27.5MM
Equity CapitalQ2 2019vs Q2 2018$3.1MM$3.2MM
Loan Loss AllowanceQ2 2019vs Q2 2018$41.00K$68.00K
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$305.00K$207.00K
Real Estate OwnedQ2 2019vs Q2 2018$0$75.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Niagara Regional Federal Credit Union Savings Account Rates

0.15%*$10k*-Share Accounts
OTHER TIERS: 0.05% $100 - $5k | 0.10% $5k - $10k

Niagara Regional Federal Credit Union Checking Account Rates

0.10%$2k-Share Draft

Niagara Regional Federal Credit Union CD Rates

2.00%$1k-5 Year CD
1.95%$1k-4 Year CD
1.85%$1k-3 Year CD
1.75%$1k-2 Year CD
1.65%$1k-1 Year CD
1.50%--1 Year Lucky Savers Prized Linked Savings
1.00%$1k-6 Month CD

Niagara Regional Federal Credit Union Locations
Branch Office1285 Erie AveNorth Tonawanda, NY 14120
Branch Office665 N French RdAmherst, NY 14228

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