ENCOMPASS NIAGARA
Charter #24873 · Niagara Falls, NY · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.30% sits at the 3rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.59% sits at the 80th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.65% sits at the 93rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 99.83% sits at the 95th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 47th percentile but its structural peers at the 23rd — a 24-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ENCOMPASS NIAGARA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $24.12M | 47th pct | 23th pct |
| Members | 2,758 | 69th pct | 56th pct |
| Net worth ratio | 11.66% | 33th pct | 51th pct |
| Return on average assets | -0.30% | 13th pct | 3th pct |
| Net interest margin | 3.71% | 43th pct | 33th pct |
| Cost of funds | 1.23% | 68th pct | 70th pct |
| Loan-to-share | 64.03% | 60th pct | 54th pct |
| Delinquency 60+ days | 1.59% | 80th pct | 80th pct |
| Net charge-off ratio | 1.65% | 92th pct | 93th pct |
| Loan growth YoY | -6.04% | 24th pct | 8th pct |
| Share growth YoY | 4.30% | 69th pct | 69th pct |
| Efficiency ratio | 99.83% | 89th pct | 95th pct |
structural peer set hash: b89e96e7e34bb1a60925f44e340bb6b4… (reproducible)
Closest structural peers
This is the free public view
Claim ENCOMPASS NIAGARA
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.