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

Encompass Niagara Credit Union is headquartered in Niagara Falls and is the 194th largest credit union in the state of New York. It is also the 3,661st largest credit union in the nation. It was established in 1934 and as of September of 2016, it had grown to 5 employees and 1,696 members at 2 locations. Encompass Niagara Credit Union has a C 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
C
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 Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #63759
Year Chartered1934
Employees5
Primary Regulator
Profit Margin
Return on Assets - YTD0.17%
Return on Equity - YTD1.49%
Annual Interest Income$542.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$16.8MM$17.6MM
LoansQ3 2016vs Q3 2015$11.4MM$12.1MM
DepositsQ3 2016vs Q3 2015$14.9MM$15.6MM
Equity CapitalQ3 2016vs Q3 2015$1.9MM$1.9MM
Loan Loss AllowanceQ3 2016vs Q3 2015$157.00K$143.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$310.00K$249.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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Encompass Niagara Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Shares
0.05%--Christmas Club

Encompass Niagara Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Checking

Encompass Niagara Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.41%$25k-5 Year CD
1.16%$25k-4 Year CD
0.90%--18 Month CD Special
0.90%$25k-3 Year CD
0.60%$500$50k2 Year CD
0.50%$500$50k1 Year CD
0.40%$500-6 Month CD
Locations


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