ENCOMPASS
Charter #8548 · Tipton, IN · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.48% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 1.91% sits at the 84th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.20% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.33% sits at the 95th percentile of structural peers — worth a closer look.
- Efficiency ratio of 74.66% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $265.31M | 67th pct | 61th pct |
| Members | 16,200 | 64th pct | 56th pct |
| Net worth ratio | 8.48% | 7th pct | 15th pct |
| Return on average assets | 0.55% | 39th pct | 51th pct |
| Net interest margin | 4.14% | 78th pct | 69th pct |
| Cost of funds | 1.91% | 85th pct | 84th pct |
| Loan-to-share | 85.07% | 79th pct | 66th pct |
| Delinquency 60+ days | 1.20% | 83th pct | 77th pct |
| Net charge-off ratio | 1.33% | 94th pct | 95th pct |
| Loan growth YoY | -5.59% | 5th pct | 5th pct |
| Share growth YoY | 2.30% | 32th pct | 33th pct |
| Efficiency ratio | 74.66% | 36th pct | 20th pct |
structural peer set hash: ccaa5879e8a7a9a5c0e83079bbacf3b8… (reproducible)
Closest structural peers
This is the free public view
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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.