Federal credit union · Niagara Falls, New York · NCUA charter #24873
Encompass Niagara
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $23.4M
- Total assets
- 2,824
- Members
- 11.7%
- Net-worth ratio
Encompass Niagara scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $23.4M; members 2,824; net-worth ratio 11.66%; health rank #3,653 of 4,374; healthier than 16th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,653 of 4,374 health · 2025Q4Encompass Niagara · health 69/100 · $23.4M · 2025Q4
Call Report peers
Encompass Niagara in the assets neighbourhood
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Encompass Niagara vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Encompass Niagara sits in 65-69 with 275 others.
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Encompass Niagara: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 69.79% here, 59.80% peer average (+9.99 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.20 pp (11.66% vs 14.86%).
Encompass Niagara: in-state Call Report ranks
- New York health ordinal: #212 of 272.
- Assets rank #175 of 272 inside New York ($23.4M reported).
- Membership ranks #147 of 272 among New York CUs with a reported count (2,824 members).
- One place up in New York, Sing Sing Employees (#211) ties at 69/100; one place down, Niagara Frontier Federal Municipal (#213) ties at 69/100.
Encompass Niagara: 2025Q4 → 2026Q1
Encompass Niagara: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $23.4M (2025Q4) to $24.1M (2026Q1).
- Net-worth ratio shifted -0.45 pp (12.11% → 11.66%).
At 11.66%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 69/100 score is built
Encompass Niagara gives up 31 points in total. Delinquency Rate costs the most, 15.9 of its 25; Loan-to-Share Ratio and Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.1 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.9 pts
Encompass Niagara vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.66% | -3.20 pp |
| Delinquency Rate | 2.54% | +1.39 pp |
| Return on Assets | 1.02% | +0.31 pp |
| Member Growth | -9.31% | - |
| Loan-to-Share Ratio | 69.79% | +9.99 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $24.1M | - |
| 2025Q4 | $23.4M | 2,824 |
| 2024Q4 | $24.8M | 3,114 |
| 2023Q4 | $14.7M | 1,272 |
Credit Union Details
- Charter Number
- 24873
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New York
- City
- Niagara Falls
- Data Quarter
- 2025Q4
Branch Location
Encompass Niagara operates a single office in Niagara Falls, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Encompass Niagara Federal Credit Union (Main Office) | Niagara Falls, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- Encompass Niagara ranks #3,653 of 4,374 nationally on financial health and #212 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cobblestone Country is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cobblestone Country
Frequently Asked Questions
Is Encompass Niagara financially healthy?
On its 2025Q4 NCUA 5300 filing, Encompass Niagara scores 69/100 (Good), with a 11.66% net worth ratio and 2.54% of loans delinquent. It ranks #3,653 of 4,374 nationally on health and #212 of 272 in New York.
How does Encompass Niagara compare to other credit unions?
Encompass Niagara scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (69.79% vs 59.80%). Its widest shortfall is net worth ratio (11.66% vs 14.86%).
How can I join Encompass Niagara?
Encompass Niagara 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 Niagara directly for the exact boundaries and application steps.
Is my money safe at Encompass Niagara?
Encompass Niagara 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 Niagara's net worth ratio of 11.66% 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.