Encompass

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$263.9M

6^th percentile

Members

16,435

13^th percentile

Total loans

$211.8M

25^th percentile

Total shares

$212.7M

1^th percentile

Profitability

Return on assets

1.68%

88^th percentile

Net interest margin

4.07%

84^th percentile

Efficiency ratio

50.18%

81^th percentile

Non-interest income ratio

21.25%

64^th percentile

Capital & Risk

Net worth ratio

8.40%

9^th percentile

Delinquency rate

1.39%

14^th percentile

Net charge-off rate

1.68%

4^th percentile

Loan-to-share

99.58%

91^th percentile

Growth

Member growth YoY

-4.44%

11^th percentile

Asset growth YoY

-0.18%

12^th percentile

Loan growth YoY

-4.47%

10^th percentile

Share growth YoY

1.64%

23^th percentile

Operations

Members / branch

4,109

40^th percentile

Assets / member

$16,055

49^th percentile

Field of membership penetration

12.64%

77^th percentile

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