# NIAGARA REGIONAL
North Tonawanda, NY · NCUA charter 3285 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/niagara-regional-3285

Who the members are: federal charter, community charter, organized 1939. 239,300 members of 1,156,000 potential (20.7% of the field); checking penetration 1% (share draft accounts per 100 members); loans per 100 members 1.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $39.8M |
| Members | 239,300 (9984.3% YoY) |
| Full-time staff | 8 |
| Net worth | $3.3M |
| Net worth ratio | 8.3% (p6 of band) |
| ROA (annualized) | 0.63% (p53 of band) |
| Total delinquency | 0.21% (p32 of band) |
| Net charge-offs (annualized) | 0.13% (p60 of band) |
| Loans / shares | 67% (p63 of band) |
| Cash / assets | 33.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.56% (p37 of band) |
| Operating expense / assets | 3.45% (p45 of band) |
| Vehicles % of loans | 26% (p16 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.13% (p37 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 64% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 7% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 18% |
| Average share balance | $7,494 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 1% |
| Loans granted per 100 members, annualized | 0% |
| Average loan balance | $15,180 |
| Loans granted, annualized | $7.7M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | net worth falling, delinquency rising |  |
| 2017-06 | 0 |  | net worth falling, delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 2 | net worth falling, losing money |  |
| 2018-09 | 2 | delinquency 2x band, delinquency rising | net worth falling, losing money |
| 2018-12 | 2 |  |  |
| 2019-03 | 4 | net worth falling, losing money |  |
| 2019-06 | 3 |  | delinquency rising |
| 2019-09 | 2 |  | net worth falling |
| 2019-12 | 1 |  | delinquency 2x band |
| 2020-03 | 1 | net worth falling | losing money |
| 2020-06 | 3 | thin capital, losing money |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 1 |  | losing money |
| 2021-03 | 3 | net worth falling, margin squeeze |  |
| 2021-06 | 4 | losing money |  |
| 2021-09 | 3 |  | net worth falling |
| 2021-12 | 6 | capital below 7%, delinquency rising |  |
| 2022-03 | 5 | net worth falling | margin squeeze, delinquency rising |
| 2022-06 | 5 |  |  |
| 2022-09 | 5 | delinquency rising | net worth falling |
| 2022-12 | 4 |  | delinquency rising |
| 2023-03 | 5 | delinquency rising, assets shrinking | losing money |
| 2023-06 | 6 | losing money, members leaving | delinquency rising |
| 2023-09 | 3 |  | capital below 7%, losing money |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 2 |  | members leaving |
| 2024-09 | 3 | members leaving |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 | net worth falling | assets shrinking, members leaving |
| 2025-06 | 2 | delinquency rising | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 3 | net worth falling, delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-12-16 [Niagara Regional Credit Union CEO to retire - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxOcXd0WGU3NDRXYUdiSHFNRFZLblRYUjdHMzhVaHpjTGdUbGlQUFcwTUtLdFBtbElJWW1nTDZCVjhiMHloSkFmQ0NiaXhZQ25Wdm1xck1obXUxMHZ1cUNGTzNNYjJLRkpWWjlfWXRtalJrWFN3bDFzZ3BtV0ZuMmRwQ2FSQ1ZPUEZ0eUxoS3ZPalRGT2ZFT1QwYzNnVFc?oc=5) · The Business Journals
- 2024-02-23 [Meridian Credit Union continues to offer $50,000 reward 1 year after armed robbery - Niagara This Week](https://news.google.com/rss/articles/CBMihAJBVV95cUxOTDMwZWQtb1R3T05fWDFpVncwQlF2STMtRnctMkJLTmZpX2J2UWFrWFByanNRVzNyZnp5M2ZmVHg2OWI4NDAwWHU0RWZWdDNhdWR4NXlHWmJDYjNKc3A2bVdnTGFiS09ET0NUVGMwRzBlb1BTRlhkTXN2bXItT29Wa0c3allzaGx0cHdoWVFDN1poTGlpcWJ1N2lhWnZGVkp2V21pbzJnSVVKOEFwVDF5bC1feTh6UmNBYmZIOTVTTll5RWJZOGUzbVp2MHhZaTRzWWgzUDNaZkI5aUNwZEZRX2UzV1BwQ0JneUtNdXhtdWJnLS04SWM3NEoyUGZ0RWdjN0ZxaQ?oc=5) · Niagara This Week
- 2024-02-23 [Niagara police continue to probe armed robbery at Falls credit union - ThoroldToday.ca](https://news.google.com/rss/articles/CBMitwFBVV95cUxPa0s1a1EwRWFIa3EtR2tWU3NXNXYyV215cTRqVnlxUlRZRDhMMFFUVlVWUEhGS1dTQmIwaDZ4N2FNZWU5YXNjZFBsekhtYjZHREd3RHQ1ZjJ1czc2Z0ROc1FUZWVIa0dfdEVnaEtRYXpGNnpDclY3d04taHlyeUozWTZ3RnRLdHlNRzNnNDNGcE9OUU1mR2VNSE1aM2pac0o4dG41Zk1BeFRJQm9yYkNwaGQwaTNGYVE?oc=5) · ThoroldToday.ca
- 2021-09-25 [Michael Zaehringer Obituary (2018) - Smethport, PA - The Bradford Era - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxPeVNSaFR2cFRTb0xOYVh5Ni0xREFTaDRqbFNkcTZyUVVFNi1nZmsxRm5WQ0JYT1JTOFVxYW94bEhfWjdiN3lUQnJGa3dKTjRrdHlqb2N2a09INzQ1Y2dOU2p5WmFXU0lPVHkxclQyc0ZLZjNXRHhCVERfVVcwZHM3bXRMMkw4SlJXMDRhRkFYR3pLN01ac1JR?oc=5) · legacy.com
- 2023-02-14 [Beach-Tuyn building sold to local investment group - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPaWItTXFpQVBoOThOX2xack9CMm1IWC1PdEQ3c09CU21qVlRsNFIxNjVTSVZxeXNQM1NkQ0JPYlZHYzJ6OUEtYjh4NklFY01aUE9sZy1Ub21ybGhxQmFrSHZ1cGg4NnpSLWpEa0o2Ql9hOGFtS2VfMlJVdUZGR2lkWXVUQVFJS2Q1ZUhUZDN4UFBLM2g5eGYzNmdabVJCbmxXOUFYZldQYmtzQ3c?oc=5) · The Business Journals
- 2026-03-12 [Robbery at Fonthill bank by 3 masked men foiled - Niagara This Week](https://news.google.com/rss/articles/CBMixwFBVV95cUxOOFJpcEZTN0pNNFBsLWI0UGZFT2d1Sy1JUE1sRUQxTjQxUXZPam5WQnEycG9GVW9PRmkwZ1lWYi1kb0xpc3V2cWJDeDJQNFZfRlBOWnVDeW5OTkszZVM2cXRkZnNhOTUwYVRBMEVoY0loRzFvTEZZb2dPRU00bWp2WldQd0p3UkgxRmtHdjI4OVZlazlEdG1Rb3VpWTRDQ3NLNXd5QlNqT2RWNzRySXlST1FQVG5hdVlaZjU2dm8xdjMtYlJWOV9V?oc=5) · Niagara This Week
- 2016-12-25 [David DiCARLO Obituary (2016) - North Tonawanda, NY - Buffalo News - legacy.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxNNS04VG5YNVVNQlNmN3p6Rm40M05FV2ZCS0JWcFYwNGg2QzBMejk1UEhNZGdaaGl0RlNzZmdESjFIZ0dBNHp4NzZNQWg3NGpWSUxpVEdPT1ZGaFo1LS1Jb19NTW9YcEc3VEIxck1FZ2VvSVJwRU00TUZzOEt2SGYtVXhsM1M1UDFuNVBVMUFjc3c?oc=5) · legacy.com
- 2026-03-05 [NRP looking for 3 men after attempted robbery of Wainfleet bank - Niagara This Week](https://news.google.com/rss/articles/CBMiygFBVV95cUxNdTIwV2FGbV9FWUNlSnlqX05kY1FtemhyUFNjYXBoZEppakYwM05rU1ZJd3V0dVJlQ3EtaC1Xc2tHMVdCOExCNW5lcWtsaGEwRnZRaUhRNnNjek96R29jYUlTakxQZ2djcjdZbndmTzFzSkxTcmsxWkRFVWpKY25obXhTOFd5QjBQWXpvLUdtbEhreVdzV0p5aWZ0OHlaVUVUTTZBaUIzMXJQbjlROEY2NHhXVTRaWElxSmR4ZHNXUU5xV0NIWnRwQkt3?oc=5) · Niagara This Week

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3285 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/21.json (key "3285", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=3285
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide