Encompass Niagara

Niagara Falls, NY · 1 · Charter #24873 · www.encompassniagara.com/
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$23.4M
67th percentile
Members
2,824
82th percentile
Total loans
$14.3M
77th percentile
Total shares
$19.5M
67th percentile

Profitability

Return on assets
0.21%
23th percentile
Net interest margin
3.95%
49th percentile
Efficiency ratio
75.08%
33th percentile
Non-interest income ratio
16.23%
73th percentile

Capital & Risk

Net worth ratio
12.11%
31th percentile
Delinquency rate
2.54%
19th percentile
Net charge-off rate
2.31%
5th percentile
Loan-to-share
73.36%
68th percentile

Growth

Member growth YoY
-9.31%
7th percentile
Asset growth YoY
-5.78%
14th percentile
Loan growth YoY
-16.76%
9th percentile
Share growth YoY
1.83%
58th percentile

Operations

Members / branch
2,824
90th percentile
Assets / member
$8,277
41th percentile
Field of membership penetration
1.33%
8th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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