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 11.9 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.2, driven by a liquidity ratio of 26.8 percent and a “hot money” ratio of 9.8 percent. A current level of 21.2 percent of nonperforming loans to core capital combined with 18.4 percent from a year earlier contributes to the Fair asset quality (3.7).
Asset Mix:
Consumer loans (35%), home mtgs (18%), securities (6%), other (41%)
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