# NIAGARA FALLS TEACHERS Niagara Falls, NY · NCUA charter 98 · asset band <$50M · latest filing 2026-03 · live Share link (named URL with a preview card): https://getbookiq.com/cu/niagara-falls-teachers-98 Who the members are: federal charter, multiple common bond, organized 1935, low-income designated. 1,473 members of 2,000 potential (73.7% of the field); checking penetration 19% (share draft accounts per 100 members); loans per 100 members 26. **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 | $13.5M | | Members | 1,473 (17.4% YoY) | | Full-time staff | 3 | | Net worth | $2.5M | | Net worth ratio | 18.2% (p67 of band) | | ROA (annualized) | 0.71% (p57 of band) | | Total delinquency | 0.00% (p8 of band) | | Net charge-offs (annualized) | 0.45% (p74 of band) | | Loans / shares | 46% (p33 of band) | | Cash / assets | 16.8% | | Borrowings / assets | 0.00% | | Net interest margin | 4.30% (p67 of band) | | Operating expense / assets | 3.32% (p42 of band) | | Vehicles % of loans | 56% (p42 of band) | | Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% | | Third-party paper % of net worth | 0% (p43 of band) | | Vehicle delinquency | 0.00% (p16 of band) | | Vehicle NCO | 0.00% (p35 of band) | | Repossessed % of vehicle book | 0.00% (p46 of band) | | Real estate % of loans | 23% | | Credit cards % of loans | 0% | | Unsecured % of loans | 18% | | Commercial % of net worth | 0% | | Core shares % of member funds | 95% | | Certificates % of member funds | 5% | | Average share balance | $6,264 | | Participations bought / yr | $0 | | Participations sold / yr | $0 | | Participations outstanding | – | | Loans outstanding per 100 members | 26% | | Loans granted per 100 members, annualized | 3% | | Average loan balance | $13,327 | | Loans granted, annualized | $756,640 | ## Flags firing in the latest filing - **net worth falling** (`cap_falling`) ## 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 | 1 | net worth falling | | | 2017-06 | 1 | | | | 2017-09 | 0 | | net worth falling | | 2017-12 | 1 | members leaving | | | 2018-03 | 0 | | members leaving | | 2018-06 | 1 | net worth falling | | | 2018-09 | 0 | | net worth falling | | 2018-12 | 0 | | | | 2019-03 | 2 | net worth falling, delinquency rising | | | 2019-06 | 1 | | net worth falling | | 2019-09 | 1 | | | | 2019-12 | 1 | | | | 2020-03 | 3 | net worth falling, assets shrinking, members leaving | delinquency rising | | 2020-06 | 1 | | assets shrinking, members leaving | | 2020-09 | 0 | | net worth falling | | 2020-12 | 2 | members leaving, loan book shrinking | | | 2021-03 | 3 | net worth falling, losing money, margin squeeze | members leaving, loan book shrinking | | 2021-06 | 1 | members leaving | net worth falling, losing money, margin squeeze | | 2021-09 | 2 | margin squeeze | | | 2021-12 | 2 | | | | 2022-03 | 4 | net worth falling, loan book shrinking | | | 2022-06 | 2 | losing money | members leaving, margin squeeze, loan book shrinking | | 2022-09 | 1 | | net worth falling | | 2022-12 | 1 | | | | 2023-03 | 1 | delinquency rising | losing money | | 2023-06 | 2 | assets shrinking | | | 2023-09 | 1 | | delinquency rising | | 2023-12 | 2 | delinquency rising | | | 2024-03 | 2 | | | | 2024-06 | 2 | | | | 2024-09 | 2 | | | | 2024-12 | 1 | | delinquency rising | | 2025-03 | 1 | | | | 2025-06 | 2 | loan book shrinking | | | 2025-09 | 2 | | | | 2025-12 | 2 | | | | 2026-03 | 1 | net worth falling | assets shrinking, loan book shrinking | ## In the news (Google News, unfiltered, newest first; check the city) - 2026-02-01 [Lawrence J. Beyer Obituary Jun 19, 2011 - M.J. Colucci & Son Niagara Funeral Chapel](https://news.google.com/rss/articles/CBMickFVX3lxTE0zMjNiNGJoMFY4OVQySEFkVjVhOW9vdVVBV1BLeWVwRUJKY2RXU19BMVhjN2RlZ191UjhOdFNVS3JISjlEOGtQNVBBeTRVV0EzUDRZWmdCNUJlZnpTek9tX2liaGU2YXdqYWdMNWgxbHpzQQ?oc=5) · M.J. Colucci & Son Niagara Funeral Chapel - 2026-02-26 [NCUA Approves 157 CU Mergers in 2025, Slight Drop From 2024's 162 - CUTimes](https://news.google.com/rss/articles/CBMioAFBVV95cUxPU1QtMk1hZUJjZ1VLY0ZPVmpqR1JlZ1BlRXc3NGZkc0ZuVVFEOHY4SzdBR3JFTjd5dWRBT2ljWGp5WkNGbXcxVjhEcDNCTml1WWhkLWZOZlZNakplcUtyY2w2cndZT0NfSDh5UWozUE0tclRaTXZ0YzIybV9neVptUUY1MGtGMklIcXNZV0ttekFHTW55M3hTZUtNeDkybDRs?oc=5) · CUTimes - 2021-09-20 [Robert Joseph Hughes Obituary Sep 20, 2021 - M.J. Colucci & Son Niagara Funeral Chapel](https://news.google.com/rss/articles/CBMicEFVX3lxTFBKT3FPeVJ1bnRxVVdjd19icElIbXdndUk0Uk54TEJ4QWE5aGhmMlVZSk52RkpHRWVzVEdUazZQQ2k4ak1nUXY3bFBjT3hrOGJ5dFBFNHpLeG9wMHU2UHVPOUNkVDZjS0ZKXy1mRWRNaHI?oc=5) · M.J. Colucci & Son Niagara Funeral Chapel - 2011-04-13 [Scott W. St. Onge Obituary Apr 13, 2011 - M.J. Colucci & Son Niagara Funeral Chapel](https://news.google.com/rss/articles/CBMicEFVX3lxTE1YT1RoTXdCdXRBZ0Q1ZjllU2kwWHlYcXp3RTBVN3FTY0tsanVTZVhxOVBzbGdJVmVvX21XM0hlQXhPWTRXNjhEM2xBd2I1ZHNubEZCb1VPalFORDZEZEFjZkExdWF0aXJkcmpJX2ZIVF8?oc=5) · M.J. Colucci & Son Niagara Funeral Chapel ## How to verify - Page: https://getbookiq.com/cu-intel/#cu=98 (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/34.json (key "98", 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=98 - 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