Encompass Credit Union

P O Box 100
Tipton, IN 46072
www.efcu.org

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Encompass Credit Union is headquartered in Tipton and is the 31^st largest credit union in the state of Indiana. It is also the 1,206^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 34 employees and 16,887 members. Encompass Credit Union has a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Encompass Credit Union Checking Account Rates

Apy	Min	Max	Product
0.25%	$100k	-	Business Dividend Checking Accounts
0.05%	-	-	ValuePLUS Checking Account
0.05%	-	-	Free College Checking Account

Encompass Credit Union Savings Account Rates

Apy	Min	Max	Product
0.30%	$50k	-	Health Savings Account
0.25%	$25k	-	IRA Savings Accounts
0.10%	-	-	Savings Accounts
0.10%	$25	-	Business Savings Accounts

Encompass Credit Union Money Market Rates

Apy	Min	Max	Product
0.40%	$250k	-	Money Market Savings Account
0.35%	$500k	-	Business Money Market Savings Accounts

Encompass Credit Union CD Rates

Apy	Min	Max	Product
2.00%	$500	-	60 Month Certificate
2.00%	$500	-	60 Month Business Certificate
1.50%	$500	-	54-59 Month Certificate
1.50%	$500	-	54-59 Month Business Certificate
1.40%	$500	-	48-53 Month Certificate
1.40%	$500	-	48-53 Month Business Certificate
1.35%	$500	-	36-41 Month Certificate
1.35%	$500	-	42-47 Month Certificate
1.35%	$500	-	36-41 Month Business Certificate
1.35%	$500	-	42-47 Month Business Certificate
1.25%	$5k	-	36 Month Priority Certificate
1.25%	$5k	-	36 Month Business Priority Certificate
1.10%	$500	-	30-35 Month Certificate
1.10%	$500	-	30-35 Month Business Certificate
1.00%	$25	$1k	6 Month My Savings Builder Certificate
1.00%	$500	-	24-29 Month Certificate
1.00%	$500	-	24-29 Month Business Certificate
0.99%	$5k	-	30-35 Month Priority Certificate
0.99%	$5k	-	30-35 Month Business Priority Certificate
0.95%	-	-	12 Month Money Space Youth Certificate
0.90%	$5k	-	24-29 Month Priority Certificate
0.90%	$5k	-	24-29 Month Business Priority Certificate
0.80%	$500	-	18-23 Month Certificate
0.80%	$500	-	18-23 Month Business Certificate
0.75%	$500	-	12 Month Certificate
0.75%	$500	-	13-17 Month Certificate
0.75%	$500	-	12 Month Business Certificate
0.75%	$500	-	13-17 Month Business Certificate
0.40%	$500	-	6-11 Month Certificate
0.40%	$500	-	6-11 Month Business Certificate
0.25%	$25	-	My Savings Starter Certificate
0.25%	$500	-	3-5 Month Certificate
0.25%	$500	-	3-5 Month Business Certificate

Encompass Credit Union IRA Rates

Apy	Min	Max	Product
2.00%	$500	-	60 Month IRA Certificate
2.00%	$500	-	60 Month Roth IRA Certificate
2.00%	$500	-	60 Month CESA Certificate
2.00%	$500	-	60 Month HSA Certificate
1.50%	$500	-	54-59 Month IRA Certificate
1.50%	$500	-	54-59 Month Roth IRA Certificate
1.50%	$500	-	54-59 Month CESA Certificate
1.50%	$500	-	54-59 Month HSA Certificate
1.40%	$500	-	48-53 Month IRA Certificate
1.40%	$500	-	48-53 Month Roth IRA Certificate
1.40%	$500	-	48-53 Month CESA Certificate
1.40%	$500	-	48-53 Month HSA Certificate
1.35%	$500	-	36-41 Month IRA Certificate
1.35%	$500	-	42-47 Month IRA Certificate
1.35%	$500	-	36-41 Month Roth IRA Certificate
1.35%	$500	-	42-47 Month Roth IRA Certificate
1.35%	$500	-	36-41 Month CESA Certificate
1.35%	$500	-	42-47 Month CESA Certificate
1.35%	$500	-	36-41 Month HSA Certificate
1.35%	$500	-	42-47 Month HSA Certificate
1.10%	$500	-	30-35 Month IRA Certificate
1.10%	$500	-	30-35 Month Roth IRA Certificate
1.10%	$500	-	30-35 Month CESA Certificate
1.10%	$500	-	30-35 Month HSA Certificate
1.00%	$500	-	24-29 Month IRA Certificate
1.00%	$500	-	24-29 Month Roth IRA Certificate
1.00%	$500	-	24-29 Month CESA Certificate
1.00%	$500	-	24-29 Month HSA Certificate
0.80%	$500	-	18-23 Month IRA Certificate
0.80%	$500	-	18-23 Month Roth IRA Certificate
0.80%	$500	-	18-23 Month CESA Certificate
0.80%	$500	-	18-23 Month HSA Certificate
0.75%	$500	-	12 Month IRA Certificate
0.75%	$500	-	13-17 Month IRA Certificate
0.75%	$500	-	12 Month Roth IRA Certificate
0.75%	$500	-	13-17 Month Roth IRA Certificate
0.75%	$500	-	12 Month CESA Certificate
0.75%	$500	-	13-17 Month CESA Certificate
0.75%	$500	-	12 Month HSA Certificate
0.75%	$500	-	13-17 Month HSA Certificate
0.40%	$500	-	6-11 Month IRA Certificate
0.40%	$500	-	6-11 Month Roth IRA Certificate
0.40%	$500	-	6-11 Month CESA Certificate
0.40%	$500	-	6-11 Month HSA Certificate
0.25%	$500	-	3-5 Month IRA Certificate
0.25%	$500	-	3-5 Month Roth IRA Certificate
0.25%	$500	-	3-5 Month CESA Certificate
0.25%	$500	-	3-5 Month HSA Certificate

Rates updated: 5/25/2012

Data for Q4 2011

Institution Statistics

ENCOMPASS
NCUA #	8548
BankRate Report	View
Year Chartered	1953
Employees	34
Primary Regulator
Assets and Liabilities
Assets	$127.42 million
Loans	$93.02 million
Deposits	$113.95 million
Equity Capital	$12.33 million
Loan Loss Allowance	$934,000
Unbacked Noncurrent Loans	$563,000
Historic Data - December 2010
Assets	$112.62 million
Equity Capital	$10.84 million
Loan Loss Allowance	$1.12 million
Unbacked Noncurrent Loans	$421,000
Profit Margin - Quarterly
Net Interest Margin	4.99%
Return on Assets	1.17%
Return on Equity	12.07%
Interest Income	$6.56 million
Non-Interest Income	$1.88 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Encompass Credit Union had $563,000 in non-current loans and owned real-estate with $13.26 million in equity and loan loss allowances on hand to cover it. This gives Encompass Credit Union a Texas Ratio of 4.25% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Encompass Credit Union held steady from 3.52% as of December 31, 2010 to 4.25% as of December 31, 2011, resulting in a negative change of 20.59%. This indicates that the balance sheet and financial strength for Encompass Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Encompass Credit Union has increased its total deposits by $13.15 million, resulting in 13.05% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Encompass Credit Union has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Encompass Credit Union has $127.42 million in assets with $13.26 million in equity, resulting in a capitalization level of 10.41%, which is above average.

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