# GREATER NIAGARA
NIAGARA FALLS, NY · NCUA charter 9537 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/greater-niagara-9537

Who the members are: federal charter, community charter, organized 1954, low-income designated. 7,862 members of 1,160,000 potential (0.7% of the field); checking penetration 39% (share draft accounts per 100 members); loans per 100 members 39.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $68.6M |
| Members | 7,862 (-1.4% YoY) |
| Full-time staff | 11 |
| Net worth | $9.3M |
| Net worth ratio | 13.5% (p58 of band) |
| ROA (annualized) | 1.58% (p87 of band) |
| Total delinquency | 0.58% (p48 of band) |
| Net charge-offs (annualized) | 0.34% (p59 of band) |
| Loans / shares | 46% (p23 of band) |
| Cash / assets | 16.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.29% (p83 of band) |
| Operating expense / assets | 3.63% (p54 of band) |
| Vehicles % of loans | 38% (p41 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.02% (p12 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 44% |
| Credit cards % of loans | 14% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 98% |
| Certificates % of member funds | 2% |
| Average share balance | $6,007 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 39% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $8,778 |
| Loans granted, annualized | $11.5M |

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 2 | members leaving |  |
| 2018-03 | 1 |  | members leaving |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 | members leaving | delinquency rising |
| 2018-12 | 0 |  | members leaving |
| 2019-03 | 2 | delinquency 2x band, delinquency rising |  |
| 2019-06 | 2 | net worth falling | delinquency 2x band |
| 2019-09 | 0 |  | delinquency rising, net worth falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 1 | delinquency 2x band |  |
| 2021-03 | 3 | net worth falling, margin squeeze |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 4 | delinquency rising, charge-offs p90 |  |
| 2021-12 | 3 |  | delinquency rising |
| 2022-03 | 4 | losing money |  |
| 2022-06 | 3 |  | margin squeeze |
| 2022-09 | 2 |  | losing money |
| 2022-12 | 1 |  | charge-offs p90 |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 1 |  | delinquency 2x band |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | assets shrinking |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 3 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2025-03 | 1 |  | net worth falling, delinquency 2x band |
| 2025-06 | 0 |  | delinquency rising |
| 2025-09 | 2 | delinquency 2x band, delinquency rising |  |
| 2025-12 | 0 |  | delinquency 2x band, delinquency rising |
| 2026-03 | 1 | assets shrinking |  |

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

- 2026-04-03 [WNY credit union changes name to reflect expanding reach - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQU3JxOVZuUXBfRGI1YmtpRXM0aWw0QTBJal96WHZNdUhMRzF6SHVQUkxMQUtfQUtZSUVQUUlRSW9vWkFFbDIxVXhSYW1YWnRIXzRRNjVGcVBGamRLbkwxU3RwQ0trdktlMGpvNGRVS1NIQm5BOTF4cjdCZDBCZkdobERVOHdXQ1BKWnBEQlNlb2RSQldDM3B3Nk1SQ0tNbzB1cG5kNFhrcEFyMlk?oc=5) · The Business Journals
- 2026-05-20 [Six Charged In $1.3-Million Fraud Scheme Targeting Banks, Credit Unions With Stolen Tax Refund Checks - cutoday.info](https://news.google.com/rss/articles/CBMi0gFBVV95cUxONlFVdmtoV2RvM3lHNG9MaHlDRUVqYzZRVlNtUFJrYnNlNHlENXkwQlk5RWVIRV82cGVkRGEzUUJQbnFiRXljc0wzMU1MdVlUOHoyaHNmaVhmcGFjM2QzVERvRHRhR2JwdE1aNDJKSTRCSFFVZEhmc1VaZ0tBQnZ5ZTVESzVwcWRyZ0l0SlRtb0dJVG95dU9jc0lOZGFZX0NrcjBWcnRHUlUyN3RJMEhNazRLYjcyeGFNOG5oOGZidXY3R1BYN09aVUJFUVdPWjcyMmc?oc=5) · cutoday.info
- 2026-08-31 [Mary Cutajar Obituary Aug 31, 2026 - M.J. Colucci & Son Niagara Funeral Chapel](https://news.google.com/rss/articles/CBMib0FVX3lxTE1KeW9VSVpQV1I5TVpLRGRVRFlOdjBHcm05akgxcUZ2WHBxbU5XejBJTExrODc2dUpPeGhVQUVNdWNUQklDTFpkTkVhaVdJV2VzZnRkWGZqSTZ4M0dMQWVkYmRwNFhzTWNpLUlfZTRGTQ?oc=5) · M.J. Colucci & Son Niagara Funeral Chapel
- 2022-05-02 [Southern District of New York Enjoins New York Sheriffs From Retroactively Enforcing New York's Fair Consumer Judgment Interest Act - Consumer Financial Services Law Monitor](https://news.google.com/rss/articles/CBMimwJBVV95cUxPQnFjN05lZXBKVERUNWpKc2lrWUpVRWxrTVFkcldSUmtCcE53T245cks1dy04cmVYNkQ2Z2pPeUtWa1J4WlpQdW84dkNWVDU4OWhOb3l0WHRZQlR4NEJaR3g1WFFydGpXeFBNRmMwWHRyMTI0V1ZLOS1aUVktM2ZnNFJKckl0cVNncVo1V3lBLWk5VnV4Z2tkWnFJOEFtWUV0ZENkX20zcVVHQ0c2RkcybEFMQXZJZ0NIUklDZm1GdzFGT1VnejNjdFRQcDNaMEZEOFd5aFlza3hleG05MGVnckJxbXJZRUlsakx2XzZ3eW5KMU9DN3BqWUx2ZzJsemU1RFZqX0kxZDBoc0tyem12TjI2R1AyZXFYTzVB?oc=5) · Consumer Financial Services Law Monitor
- 2026-05-18 [Fraud Ring Allegedly Uses Fake IDs to Steal $1.3 Million From Credit Unions & Banks - CUTimes](https://news.google.com/rss/articles/CBMitwFBVV95cUxOalptaG1aZFFoQnBqZmpIMlN0RXo2S2lxN3pGaks3Y3lPTmRkN2hqdzJjLW9MNGJERExTZ1hYbWlLOEdfdFZ3elM4aDlNUVB1RzY5ZHVDcmdFVlkxSHJTOE9lU1dHTDJMSm9vYWpVR1NMeENnbENSN2lXZ2xzNi1od0o0QXlOb2lwNzhoMjBGLXI4WlJMWXExSDA3dDVvLVJHaTY3QUJ5WHRreEZsMUxURkVLN3ZvNzQ?oc=5) · CUTimes
- 2019-01-03 [Greater Niagara FCU brings holiday cheer to Child Advocacy Center of Niagara clients - Niagara Frontier Publications](https://news.google.com/rss/articles/CBMi2AFBVV95cUxNMFdjcmN5SUlxNnNFbHBfZGQ2eVBTeHhjZWhJZkNlR3h3a2NRTFhNYWstU1NFaWdiZ0cxNFZmaFpQOWdIOEFYLThwU0ZpQTM1blc1WXB4MG5SUkEwdzJ2Ul9ucVBDR1hsY212bEpOd21mZTRGVWF0Nmp3b2Y4bGtVMWN2dmIzeWpFSDZXV19GdWZMeTh2dW1wdHBrTzFzY3pldGxDSzJpOFFNZGV0Y1lkRUdRZDFQanRkOVV3dXVCd3F0NlRYN2R4Vm9HaWNoTUxyTklpSGZial8?oc=5) · Niagara Frontier Publications
- 2026-05-03 [6 Upstate NY residents accused of orchestrating $1.3 million tax refund fraud scheme - Syracuse.com](https://news.google.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?oc=5) · Syracuse.com
- 2025-05-22 [Arrest made following a police chase that ends in a Niagara Falls parking lot - WGRZ](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOZkhWV2QxOW5IRUR5V3hUT3NzSGJETm1Da0ZzZy1ka3RlTlEtbGZsNks3MXM4YXN3MjZZMHVROGZxdFJkX1g0ZE9aRGYwQ2p3NjBKdXNpcnB5Z3ZfVS1pazFweUN4c3o4cXdVRUdVZDRCN0t4VTBiQk94QUlEeHlUbUUzRUtaRHBoWGtsS3FYTU15V3diWDdDeXVtb3k5WGRTak1QQWpEbzkzWXdmbWs2TFo3RlhqV0d5SW5pb09RLUFOak0?oc=5) · WGRZ

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9537 (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/1.json (key "9537", 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=9537
- 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