Encompass Niagara
Niagara Falls, NY · Charter 24873 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 1 branch
Q2 2026
$23.2MAssets
$13.4MLoans
$20.4MShares
$2.8MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 65% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 21 of 60).
- Widest gap: return on equity trails 93% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 56 of 60).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.52%
Rank 56 of 60
Net Interest Margin
3.77%
Rank 21 of 60
Efficiency Ratio
102.18%
Rank 55 of 60
Equity / Assets
11.93%
Rank 36 of 60
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.52% | 0.35% | 0.84% | 1.37% | Beats 7% | 56 / 60 | |
| Return on Equity | -4.33% | 2.76% | 6.36% | 10.04% | Beats 7% | 56 / 60 | |
| Net Interest Margin | 3.77% | 3.02% | 3.63% | 4.05% | Beats 65% | 21 / 60 | |
| Efficiency Ratio | 102.18% | 67.68% | 77.48% | 89.33% | Beats 10% | 55 / 60 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.38% | 0.32% | 0.64% | 1.44% | Beats 13% | 53 / 60 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.93% | 10.72% | 13.16% | 17.68% | Beats 40% | 36 / 60 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.93% | 10.72% | 13.16% | 17.68% | Beats 40% | 36 / 60 | |
| Liquidity & Funding |
| Loans / Deposits | 65.48% | 43.79% | 55.03% | 72.55% | 67th pctl | 20 / 60 | |
| Loans / Assets | 57.50% | 36.50% | 47.22% | 58.67% | 70th pctl | 18 / 60 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |