Niagara's Choice
Niagara's Choice is a credit union based in Niagara Falls, New York, established in 1953, with $264 million in total assets serving 21,796 members. By Trust Grade it ranks 156th of 267 credit unions we track in New York. Its net worth ratio of 10.7% trails most similarly sized credit unions (42th percentile), versus a New York median of 12%. It was profitable over the most recent period, with a 0.61% return on assets. No consumer complaints against Niagara's Choice appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Niagara's Choice compares to New York peers
How we graded Niagara's Choice
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.7% capital ratio)
- Profitable (ROA 0.61%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Niagara's Choice over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Niagara's Choice insured?
Yes. Niagara's Choice is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Niagara's Choice: frequently asked questions
Is Niagara's Choice a good credit union?
Niagara's Choice earns a Bankzia Trust Grade of A (90/100, "Excellent"), based on a financial-strength score of 90/100 (it has no CFPB complaints on record). Well-capitalized (10.7% capital ratio); Profitable (ROA 0.61%).
Is Niagara's Choice NCUA-insured?
Yes. Niagara's Choice is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Niagara's Choice?
Niagara's Choice holds $264 million in total assets, ranking 156th of 267 credit unions we track in New York. It serves 21,796 members.
Does Niagara's Choice have CFPB complaints?
No CFPB complaints against Niagara's Choice appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
