Encompass Niagara Federal Credit Union

Niagara Falls, NY

Rating Date

May 2024

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
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Weiss Ratings	Encompass Niagara Federal Credit Union Niagara Falls, NY	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	6.40
Capitalization Index	10.00
Liquidity Index	3.80
Profitability Index	7.40
Stability Index	5.00

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	80.92%
5-Year Asset Growth	4.49%
5-Year Charge-Offs to Average Loans	0.60%
Charge-Offs to Average Loans	0.01%
Non-Performing Assets to Assets	1.70%
Non-Performing Loans to Capital	12.54%
Non-Performing Loans to Loans	2.41%

Balance Sheet	Encompass Niagara Federal Credit Union Niagara Falls, NY	Click to Compare	Click to Compare	Click to Compare
Total Assets	25.17M
Total Deposits	21.77M

Capital and Reserves	Encompass Niagara Federal Credit Union Niagara Falls, NY	Click to Compare	Click to Compare	Click to Compare
Capital	3.17M
Leverage Ratio	12.58
Loan Loss Reserves to Loans	1.40%

Liquidity	Encompass Niagara Federal Credit Union Niagara Falls, NY	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	9.16%
Liquidity Ratio	27.76%

Profitability	Encompass Niagara Federal Credit Union Niagara Falls, NY	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	-0.08%
Net Income	243.00K
Net Interest Spread	4.94%
Operating Profit to Average Assets	1.53%
Overhead Efficiency Ratio	68.11%
Return on Assets	1.95%
Return on Equity	16.96%