Federal credit union · Tipton, Indiana · NCUA charter #8548
ENCOMPASS
Health score 61/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 61
- Health / 100
- $263.9M
- Total assets
- 16,435
- Members
- 8.5%
- Net-worth ratio
ENCOMPASS scores 61/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $263.9M; members 16,435; net-worth ratio 8.48%; health rank #4,037 of 4,374; healthier than 8th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,037 of 4,374 health · 2025Q4ENCOMPASS · health 61/100 · $263.9M · 2025Q4
Call Report peers
ENCOMPASS in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ENCOMPASS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ENCOMPASS sits in 60-64 with 179 others.
61 8th percentile higher than 8% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for ENCOMPASS
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +17.91 pp (90.11% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -3.63 pp (8.48% vs 12.11%).
ENCOMPASS: in-state Call Report ranks
- Health composite ranks #114 of 124 among scored Indiana credit unions.
- Assets rank #27 of 124 inside Indiana ($263.9M reported).
- Membership ranks #31 of 124 among Indiana CUs with a reported count (16,435 members).
- One place up in Indiana, Power One (#113) ties at 61/100; one place down, Battery Employees (#115) scores 60/100, 1 point lower.
ENCOMPASS Call Report trajectory
ENCOMPASS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $263.9M (2025Q4) to $265.3M (2026Q1).
- Net-worth ratio shifted +0.09 pp (8.39% → 8.48%).
8.48% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 61/100 score is built
ENCOMPASS gives up 39 points in total. Member Growth costs the most, 14 of its 15; Loan-to-Share Ratio loses the least, 0.1.
- Net Worth Ratio 26.2 pts
- Delinquency Rate 17.0 pts
- Return on Assets 2.3 pts
- Member Growth 1.0 pts
- Loan-to-Share Ratio 14.5 pts
ENCOMPASS vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.48% | -3.63 pp |
| Delinquency Rate | 1.39% | +0.50 pp |
| Return on Assets | -0.25% | -0.87 pp |
| Member Growth | -4.44% | - |
| Loan-to-Share Ratio | 90.11% | +17.91 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $265.3M | - |
| 2025Q4 | $263.9M | 16,435 |
| 2024Q4 | $264.4M | 17,198 |
| 2023Q4 | $272.4M | 17,164 |
Credit Union Details
- Charter Number
- 8548
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Indiana
- City
- Tipton
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for ENCOMPASS, spread across 3 cities.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Tipton, IN |
| Holiday Road Branch | Frankfort, IN |
| Maish Road Branch | Frankfort, IN |
| Reed Road Branch | Kokomo, IN |
| Tipton Branch | Tipton, IN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Indiana
More federally-insured credit unions based in Indiana, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- ENCOMPASS ranks #4,037 of 4,374 nationally on financial health and #114 of 124 in IN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Primetrust Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Primetrust Financial
Frequently Asked Questions
Is ENCOMPASS financially healthy?
On its 2025Q4 NCUA 5300 filing, ENCOMPASS scores 61/100 (Good), with a 8.48% net worth ratio and 1.39% of loans delinquent. It ranks #4,037 of 4,374 nationally on health and #114 of 124 in Indiana.
How does ENCOMPASS compare to other credit unions?
ENCOMPASS scores 61/100, higher than 8% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (90.11% vs 72.20%). Its widest shortfall is net worth ratio (8.48% vs 12.11%).
How can I join ENCOMPASS?
ENCOMPASS operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact ENCOMPASS directly for the exact boundaries and application steps.
Is my money safe at ENCOMPASS?
ENCOMPASS is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ENCOMPASS's net worth ratio of 8.48% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.