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Niagara Regional Federal Credit Union


Overview / Commentary
www.niagararegionalfcu.org
716-694-7344
1285 Erie Ave
North Tonawanda, NY 14120

Niagara Regional Federal Credit Union is headquartered in North Tonawanda and is the 141st largest credit union in the state of New York. It is also the 2,766th largest credit union in the nation. It was established in 1939 and as of December of 2019, it had grown to 9 employees and 2,656 members at 2 locations. Niagara Regional Federal Credit Union 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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Health
B

Data as of Q4 2019

Learn why bank health matters
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

Overall
NCUA #3285
Year Chartered1939
Employees9
Primary Regulator
Profit Margin
Return on Assets - YTD-0.22%
Return on Equity - YTD-2.25%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$32.9MM$30.4MM
LoansQ4 2019vs Q4 2018$20.6MM$19.1MM
DepositsQ4 2019vs Q4 2018$29.5MM$27.0MM
Equity CapitalQ4 2019vs Q4 2018$3.2MM$3.2MM
Loan Loss AllowanceQ4 2019vs Q4 2018$61.00K$40.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$302.00K$358.00K
Real Estate OwnedQ4 2019vs Q4 2018$0$84.00K
Rates
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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

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

Niagara Regional Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$2k-Share Draft
0.05%$2k-Checking Account

Niagara Regional Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%$1k-5 Year CD
0.75%$1k-4 Year CD
0.50%$1k-3 Year CD
0.40%$1k-2 Year CD
0.35%$1k-1 Year CD
0.35%--1 Year Lucky Savers Prized Linked Savings
0.25%$1k-6 Month CD
Locations


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

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