Sep, 30, 2025 — NIAGARA FALLS A F FEDERAL CREDIT UNION is a federal credit union headquartered in NIAGARA FALLS, NY with 1 branch location and about $20.10 million in total assets. Opened 71 years ago in 1955, NIAGARA FALLS A F FEDERAL CREDIT UNION has about 1,676 members and employs 5 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | NIAGARA FALLS A F FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2420 Olmstead St NIAGARA FALLS, NY 14304-5066 |
| Phone: | (716) 297-4034 |
| Fax: | (716) 297-1223 |
| Website: | https://www.niagarafallsafcu.com |
| Branches: | 1 branch locations |
| Members: | 1,676 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 10613 |
|---|---|
| Membership Type: | Military |
| Corporate Credit Union: | No |
| Year Opened: | 1955 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $20,104,830 |
| CEO/Manager: | Adrienne Mitchell |
| Chairperson: | Brian A Waite |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,432,708 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 4,237,773 |
| Unsecured Loans | 1,236,451 |
| Other Loans | 2,748,040 |
| TOTAL LOANS | 8,222,264 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -79,053 |
| Land And Building | 0 |
| Other Fixed Assets | 32 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 175,197 |
| All Other Assets | 0 |
| TOTAL ASSETS | 20,104,830 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 15,537 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 2,475,751 |
| Regular shares | 9,031,711 |
| All Other Shares & Deposits | 6,175,474 |
| TOTAL SHARES & DEPOSITS | 17,682,936 |
| TOTAL LIABILITIES | 17,698,473 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 2,406,357 |
| TOTAL EQUITY | 2,406,357 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 20,104,830 |
| INCOME & EXPENSE | |
| Loan Income | 350,176 |
| Investment Income | 221,190 |
| Other Income | 51,269 |
| Total Employee Compensation & Benefits | 200,863 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 199,856 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 0 |
| Cost of Funds | 175,591 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 46,325 |
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