Encompass Niagara Federal Credit Union

Niagara Falls, NY

Rating Date

July 2025

Net Capital
Ratio

Leverage
Ratio

Return On
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Total
Assets

Capital

Total
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Weiss Ratings	Encompass Niagara Federal Credit Union Niagara Falls, NY	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	3.70
Capitalization Index	10.00
Liquidity Index	4.20
Profitability Index	1.80
Stability Index	6.20

Company Info	Encompass Niagara Federal Credit Union Niagara Falls, NY	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	5027
Phone Number	(716) 236-7678
Website	encompassniagara.com

Asset Quality	Encompass Niagara Federal Credit Union Niagara Falls, NY	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	60.46%
5-Year Asset Growth	17.37%
5-Year Charge-Offs to Average Loans	0.29%
Charge-Offs to Average Loans	1.72%
Non-Performing Assets to Assets	2.20%
Non-Performing Loans to Capital	21.19%
Non-Performing Loans to Loans	4.30%

Balance Sheet	Encompass Niagara Federal Credit Union Niagara Falls, NY	Click to Compare	Click to Compare	Click to Compare
Total Assets	24.28M
Total Deposits	20.96M

Capital and Reserves	Encompass Niagara Federal Credit Union Niagara Falls, NY	Click to Compare	Click to Compare	Click to Compare
Capital	3.27M
Leverage Ratio	13.47
Loan Loss Reserves to Loans	1.86%

Liquidity	Encompass Niagara Federal Credit Union Niagara Falls, NY	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	9.80%
Liquidity Ratio	26.83%

Profitability	Encompass Niagara Federal Credit Union Niagara Falls, NY	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.12%
Net Income	149.00K
Net Interest Spread	7.50%
Operating Profit to Average Assets	2.68%
Overhead Efficiency Ratio	96.79%
Return on Assets	1.20%
Return on Equity	9.63%