North Tonawanda, NY 14120


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 3285
Date Established 1939
Assets $32.56 million
Loans $19.12 million
Deposits $29.18 million
Capital $3.14 million

Niagara Regional is an NCUA insured institution located in North Tonawanda, NY. It was founded in 1939 and has approximately $32.56 millions in assets.

Deposit Rates - August 23, 2019

Your Current Location: Virginia, VA 20146

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There are currently no rates available for Niagara Regional, but see these great savings and CD rates:

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Loan Rates - August 23, 2019

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for NIAGARA REGIONAL

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: MC-3098
3.529% 3.500% 0.38 $898 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
4.240 %
$0 Learn More
More Info

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Below are Niagara Regional branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Niagara Regional Locations

Financial Details

Niagara Regional Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Niagara Regional. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Niagara Regional U.S. Average
7.64% 6.77

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2019, Niagara Regional had $158,394 in non-current loans and $84,433 in owned assets. To cover these potential losses it had $3,144,529 in net worth and $35,181 in loans loss reserves. That gives it a Texas Ratio of 7.64%.

Net Worth
Niagara Regional U.S. Average
9.65% 13.47%

Niagara Regional FCU has a net worth of 9.65% versus the BestCashCow average of 13.47. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Niagara Regional

Branches and Savings

What is Niagara Regional?

A federal credit union, registered with the NCUA under certificate #3285.
Learn more about credit unions here.

Is Niagara Regional FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Niagara Regional?

Please see Field of Membership information above for information on who is eligible to join.

What are Niagara Regional's share account and share certificate rates?

Niagara Regional's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Niagara Regional?

Niagara Regional has total capital of $3.14 million. Full information on Niagara Regional's financial position is located above.

Who owns Niagara Regional?

Credit Unions are owned by their members.

Where are Niagara Regional branches located?

See branch locations nearby.

Are Niagara Regional ATMs Open 24/7?

Do Niagara Regional ATMs accept cash deposits?

Can Niagara Regional customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Niagara Regional have a mobile app?

Does Niagara Regional have mobile deposit?

Does Niagara Regional have quick pay?

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Does Niagara Regional report to credit bureaus?

Does Niagara Regional use Chexsystems?

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What is Niagara Regional's toll free phone number?

What is Niagara Regional's ACH Routing Number?

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What is the Niagara Regional address for deposits?

What Products Does Niagara Regional Offer

Does Niagara Regional offer mortgages?

Compare mortgage rates here.

Does Niagara Regional offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Niagara Regional offer auto and RV loans?

Compare auto loan rates here.

Does Niagara Regional offer student loans or personal loans?

Compare personal loan rates here.

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