B
Encompass Niagara Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
11.83
Leverage
Ratio
11.83
Return On
Assets
-4.35%
Total
Assets
23.17M
Capital
2.74M
Total
Deposits
20.37M
Net
Income
-796.00K
My Lists My Alerts
Weiss Ratings Encompass Niagara Federal Credit Union
Niagara Falls, NY 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating B
Asset Quality Index 6.60
Capitalization Index 10.00
Liquidity Index 4.60
Profitability Index 2.60
Stability Index 6.00
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 -7.95%
5-Year Asset Growth 17.37%
5-Year Charge-Offs to Average Loans 0.29%
Charge-Offs to Average Loans 1.96%
Non-Performing Assets to Assets 1.45%
Non-Performing Loans to Capital 10.86%
Non-Performing Loans to Loans 2.20%
Balance Sheet Encompass Niagara Federal Credit Union
Niagara Falls, NY 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 23.17M
Total Deposits 20.37M
Capital and Reserves Encompass Niagara Federal Credit Union
Niagara Falls, NY 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 2.74M
Leverage Ratio 11.83
Loan Loss Reserves to Loans 2.44%
Liquidity Encompass Niagara Federal Credit Union
Niagara Falls, NY 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 6.82%
Liquidity Ratio 29.31%
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 -796.00K
Net Interest Spread 0.54%
Operating Profit to Average Assets -2.48%
Overhead Efficiency Ratio 225.14%
Return on Assets -4.35%
Return on Equity -35.80%