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
- 21,796
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
21,796 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | NIAGARA'S CHOICE |
|---|---|
| Total Assets | $263.7M |
| Members | 21,796 |
| Loans Outstanding | $150.6M |
| Shares & Deposits | $237.9M |
| Net Worth | $28.3M |
| Net Worth Ratio | 10.73% |
| Loan-to-Share Ratio | 63.3% |
| Delinquency Rate | 0.87% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in New York
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View New York RankingsFrequently Asked Questions
NIAGARA'S CHOICE is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, NIAGARA'S CHOICE has 21,796 members and a potential membership field of 1,185,000 people.
NIAGARA'S CHOICE's reported net worth ratio is 10.73% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or NIAGARA'S CHOICE. All financial data is for informational purposes only.