NIAGARA'S CHOICE
CUNiagara Falls, NY
Total Assets
$264M
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Total Loans
$151M
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NIAGARA'S CHOICE in NY reported a Texas Ratio of 4.7% in Q1 2026, down -1.9pp from the prior quarter. Nonperforming assets declined -0.34pp to 0.87%.
Portfolio composition
| Category | Balance | % of total | NPL % | Charge-off % |
|---|---|---|---|---|
| 1-4 family — 1st lien | $55M | 36.4% | — | — |
| 1-4 family — junior lien | $22M | 14.9% | — | — |
| Multifamily | $0 | 0.0% | — | — |
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| FOUNDATION Consumer Credit Card — Unlock to view | ||||
| FOUNDATION Consumer Other Unsecured — Unlock to view | ||||
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20-quarter trend panels
See how Texas Ratio, NPL %, and charge-offs evolved across the last 5 years.
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Peer cohort comparison
Benchmark against banks in the same size and geography cohort.
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Full portfolio composition
Every loan category, NPL ratio, and charge-off rate — beyond the top 3.