NIAGARA'S CHOICE Credit Union Profile

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NIAGARA'S CHOICE

Charter #8693 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (716) 284-4110

Fax: (716) 284-4123

Founding Date: N/A

Website: http://www.niagaraschoice.org

Personnel & Operations

President: Hall, Margo

Manager: Keleher, Daniel

FT Employees: 59

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 5

Hours: Monday-Friday 8:30am-5:00pm Saturday 8:30am

Credit Union Profile Summary

NIAGARA'S CHOICE is a FCU Credit Union. With a total of 22,233 members [1], this institution manages approximately $258,846,074 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.62% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -1.38% [1].

Financial Snapshot

Total Assets [1]
$258,846,074

Total economic resources.

Total Loans [1]
$148,014,816

Total value of outstanding loans.

Total Deposits [1]
$234,418,775

Total funds deposited by members.

Members [1]
22,233

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.62%

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]
0.87%

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

Loan-to-Share Ratio [1]
63.14%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
0.12%

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

Loan Growth (4Q) [1]
-1.38%

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

Member Growth (4Q) [1]
-1.95%

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

Headquarters Location & Map

Headquarters Address

3619 Packard Rd

Niagara Falls, NY, 14303-2224

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 6 branches reported by NIAGARA'S CHOICE (Charter #8693).

Main Office

Packard Road Main Office

Type: Corporate Office

3619 Packard Rd

Niagara Falls, NY 14303-2224

Phone: (716) 284-4110

Services: Member Services, ATM, Drive-Thru

Open in Directions

Additional Branches

Lockport

Lockport office

Type: Branch Office

260 West Ave

Lockport, NY 14094

Phone: (716) 434-4180

Services: Member Services, ATM, Drive-Thru

Open in Directions

Niagara Falls

Main St office

Type: Branch Office

900 Main St

Niagara Falls, NY 14301

Phone: (716) 205-0508

Services: Member Services, ATM, Drive-Thru

Open in Directions

Niagara Falls Memorial

Type: Branch Office

621 10th St

Niagara Falls, NY 14301-1813

Phone: (716) 284-4110

Services: Member Services

Open in Directions

Sawyer Drive

Type: Branch Office

2131 Sawyer Dr

Niagara Falls, NY 14304

Phone: (716) 923-1466

Services: Member Services, ATM, Drive-Thru

Open in Directions

North Tonawanda

North Tonawanda

Type: Branch Office

3577 Niagara Falls Blvd

North Tonawanda, NY 14120

Phone: (716) 693-5140

Services: Member Services, ATM, Drive-Thru

Open in Directions