Overview / Commentary
716-236-7678
2525 Military Rd
Niagara Falls, NY 14304

Encompass Niagara Federal Credit Union is headquartered in Niagara Falls and is the 222nd largest credit union in the state of New York. It is also the 3,837th largest credit union in the nation. It was established in 1934 and as of June of 2018, it had grown to 4 employees and 1,612 members at 2 locations. Encompass Niagara Federal Credit Union has a B health rating.

Field of Membership Restrictions

Encompass Niagra Credit Union of New York is open to the residents, church members, community volunteers, registered students and the people maintaining employment within Niagra County.
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Health
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

Overall
NCUA #24873
Year Chartered1934
Employees4
Primary Regulator
Profit Margin
Return on Assets - YTD-1.34%
Return on Equity - YTD-10.79%
Annual Interest Income$292.00K
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$12.9MM$16.4MM
LoansQ2 2018vs Q2 2017$8.8MM$10.9MM
DepositsQ2 2018vs Q2 2017$11.3MM$14.5MM
Equity CapitalQ2 2018vs Q2 2017$1.6MM$1.8MM
Loan Loss AllowanceQ2 2018vs Q2 2017$204.00K$169.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$111.00K$192.00K
Real Estate OwnedQ2 2018vs Q2 2017$0$0
Rates
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Encompass Niagara Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$25-Savings
0.05%$25-Christmas Club

Encompass Niagara Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%$500-Checking

Encompass Niagara Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.31%$25k-5 Year Jumbo CD
1.05%$25k-4 Year Jumbo CD
0.80%$25k-3 Year Jumbo CD
0.70%$1k-18 Month CD Special
0.70%$25k-18 Month Jumbo CD
0.50%$500$25k2 Year CD
0.40%$500$25k1 Year CD
0.30%$500$25k6 Month CD
Locations


Encompass Niagara Federal Credit Union Locations
Branch Office110 John Muir DrAmherst, NY 14228-1148
Corporate Office2525 Military RdNiagara Falls, NY 14304

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