Encompass Niagara Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.1 and a net worth ratio of 12.1. A current level of 12.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.4).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10). Fair liquidity 4.8, driven by a liquidity ratio of 32.2 percent and a “hot money” ratio of 8.0 percent.
Asset Mix:
Consumer loans (32%), home mtgs (19%), securities (4%), other (45%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
2525 Military Road
Niagara Falls, NY 14304
Niagara Falls, NY 14304
Phone Number
(716) 236-7678
NCUA Charter Number
Website
Largest Competitors
Niagara Falls, NY
Niagara Falls, NY
Niagara Falls, NY
Niagara Falls, NY
Niagara Falls, NY