Encompass
Tipton, IN · Charter 8548 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 5 branches
Q2 2026
$240.7MAssets
$203.1MLoans
$216.9MShares
$22.5MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 84% of credit unions under $1B in assets (rank 266 of 1683).
- Widest gap: equity / assets trails 87% of credit unions under $1B in assets (rank 1459 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.71%
Rank 859 of 1,683
Net Interest Margin
4.65%
Rank 266 of 1,683
Efficiency Ratio
71.96%
Rank 536 of 1,682
Equity / Assets
9.36%
Rank 1,459 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.71% | 0.35% | 0.74% | 1.18% | Beats 49% | 859 / 1,683 | | |
| Return on Equity | 7.64% | 2.67% | 5.89% | 8.74% | Beats 66% | 566 / 1,681 | | |
| Net Interest Margin | 4.65% | 3.31% | 3.82% | 4.32% | Beats 84% | 266 / 1,683 | | |
| Efficiency Ratio | 71.96% | 68.91% | 78.20% | 86.93% | Beats 68% | 536 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.60% | 0.26% | 0.65% | 1.29% | Beats 19% | 1,367 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.36% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,459 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.36% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,459 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 93.68% | 52.61% | 69.38% | 83.50% | 92nd pctl | 143 / 1,683 | | |
| Loans / Assets | 84.40% | 44.71% | 59.18% | 70.72% | 97th pctl | 51 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |