Credit union · NCUA insured
Niagara Wheatfield FCU
A $21.5M credit union headquartered in Sanborn, NY, with 1,830 members and 1 branch in New York. Best rates: CDs 0.30% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—0.30%CD rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Niagara Wheatfield FCU
- Headquarters
- 2346 Saunders Settlement Rd, Sanborn, NY 14132
- NCUA charter
- 14040
Branches
1 branch in New York
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New York
1 branch
- Main OfficeMain office2346 Saunders Settlement Rd, Sanborn, NY 14132Directions
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 | 10.72% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 4.03% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.85% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $49 | $59 | — |
- CapitalNet worth ratio10.72%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late4.03%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.85%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$49Peers’ 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 Wheatfield FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.