NIAGARA'S CHOICE
Federal • Niagara Falls, New York • Est. 1953
Quick Facts
- Charter Number
- #8693
- Type
- Federal
- Established
- 1953
- Headquarters
- Niagara Falls, New York 14303-2224
- Address
- 3619 Packard Rd
- Branches
- 5
- ATMs
- 5
- Members
- 21,992
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
21,992 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | NIAGARA'S CHOICE |
|---|---|
| Total Assets | $257.3M |
| Members | 21,992 |
| Loans Outstanding | $151.9M |
| Shares & Deposits | $234.3M |
| Net Worth | $27.9M |
| Net Worth Ratio | 10.84% |
| Loan-to-Share Ratio | 64.8% |
| Delinquency Rate | 1.21% |
| Net Income | +$2,137,257 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
5 locations · 5 ATMs
Packard Road
Main Office3619 Packard Rd
Niagara Falls, NY 14303-2224
North Tonawanda
3577 Niagara Falls Blvd
North Tonawanda, NY 14120
Sawyer Drive
2131 Sawyer Dr
Niagara Falls, NY 14304
Lockport office
260 West Ave
Lockport, NY 14094
Main St office
900 Main St
Niagara Falls, NY 14301
Who Can Join NIAGARA'S CHOICE?
Membership Type: Other/Unknown
Membership eligibility for NIAGARA'S CHOICE may vary. Contact the credit union directly to confirm qualification requirements.
Contact NIAGARA'S CHOICE directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View New York RankingsFrequently Asked Questions
Yes. NIAGARA'S CHOICE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, NIAGARA'S CHOICE has 21,992 members and a potential membership field of 1,185,000 people.
NIAGARA'S CHOICE's net worth ratio is 10.84% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.8%, NIAGARA'S CHOICE meets this threshold.
NIAGARA'S CHOICE operates 5 branch locations and has access to 5 ATMs. The main office is located at 3619 Packard Rd, Niagara Falls, NY 14303-2224.
NIAGARA'S CHOICE was established in 1953. It is a federal credit union chartered under charter number 8693. The institution has been serving members for 73 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or NIAGARA'S CHOICE. All financial data is for informational purposes only.