Encompass Niagara Federal Credit Union

Overview / Commentary
2525 Military Rd
Niagara Falls, NY 14304

Encompass Niagara Federal Credit Union is headquartered in Niagara Falls and is the 204th largest credit union in the state of New York. It is also the 3,502nd largest credit union in the nation. It was established in 1934 and as of December of 2023, it had grown to 4 employees and 1,272 members at 1 location. Encompass Niagara Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership in Encompass Niagara Federal Credit Union is open to those who live, work, worship, attend school, or volunteer in Niagara County, New York.
See current membership details


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Encompass Niagara Federal Credit Union has a low asset base.

Health Grade Components

NCUA #24873
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD0.51%
Return on Equity - YTD4.76%
Annual Interest Income$650K
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$14.7MM$11.6MM
LoansQ4 2023vs Q4 2022$9.8MM$7.6MM
DepositsQ4 2023vs Q4 2022$13.2MM$10.1MM
Equity CapitalQ4 2023vs Q4 2022$1.5MM$1.5MM
Loan Loss AllowanceQ4 2023vs Q4 2022$136K$86K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$277K$103K
Real Estate OwnedQ4 2023vs Q4 2022$0$0

Rates for Encompass Niagara Federal Credit Union are currently being reviewed.


Encompass Niagara Federal Credit Union Locations
Corporate Office2525 Military RdNiagara Falls, NY 14304

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