NIAGARA REGIONAL Credit Union Profile

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NIAGARA REGIONAL

Charter #3285 | NCUA Region 1 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (716) 694-7344

Fax: (716) 694-6066

Founding Date: N/A

Website: http://www.niagararegionalfcu.org

Personnel & Operations

President: Eberwein, Thomas

Manager: Michalowski, Brenda

FT Employees: 7

PT Employees: 4

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 3

Hours: M-W 9-4 Th-F 8:30-5

Credit Union Profile Summary

NIAGARA REGIONAL is a FCU Credit Union. With a total of 2,384 members [1], this institution manages approximately $37,644,916 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 8.19% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -1.57% [1].

Financial Snapshot

Total Assets [1]
$37,644,916

Total economic resources.

Total Loans [1]
$22,885,253

Total value of outstanding loans.

Total Deposits [1]
$34,471,636

Total funds deposited by members.

Members [1]
2,384

Number of active members.

Performance Ratios

Net Worth Ratio [1]
8.19%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.70%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
66.39%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 1.58%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -1.57%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -2.05%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1285 Erie Ave

North Tonawanda, NY, 14120
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 2 branches reported by NIAGARA REGIONAL (Charter #3285).

Main Office

Niagara Regional FCU Main Office

Type: Corporate Office

1285 Erie Ave

North Tonawanda, NY 14120

Phone: (716) 694-4987

Services: Member Services, ATM, Drive-Thru

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Additional Branches

North Tonawanda

North Tonawanda HS

Type: Branch Office

405 Meadow Dr

North Tonawanda, NY 14120

Phone: (716) 807-3600

Services: Member Services, ATM

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