Credit union · NCUA insured
Niagara Regional FCU
Top CarrotA $39.8M credit union headquartered in North Tonawanda, NY, with 239,300 members and 2 branches in New York. Best rates: CDs 3.75% and savings 5.00% APY.
Niagara Regional FCU Carrot Score
Carrot ScoreTop Carrot
Higher than 91% of U.S. banks and credit unions
#10 of 52 in Buffalo, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Niagara Regional FCU
The Niagara Regional Federal Credit Union was chartered in May 1939 as a member-owned not-for-profit financial institution founded by a small group of teachers.
The credit union operates from its location in North Tonawanda, New York.
- Headquarters
- 1285 Erie Ave, North Tonawanda, NY 14120
- NCUA charter
- 3285
Branches
2 branches in New York
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New York
2 branches
- Niagara Regional FCUMain office1285 Erie Ave, North Tonawanda, NY 14120Directions
- North Tonawanda HS405 Meadow Dr, North Tonawanda, NY 14120Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.43% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.32% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.69% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $68 | $59 | — |
- CapitalNet worth ratio8.43%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.32%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.69%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$68Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Niagara Regional FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.