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 219th largest credit union in the state of New York. It is also the 3,888th largest credit union in the nation. It was established in 1934 and as of December of 2018, it had grown to 4 employees and 1,554 members at 2 locations. Encompass Niagara Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Encompass Niagra Federal Credit Union of New York is open to the residents, church members, community volunteers, registered students and those who work within Niagra County.
See current membership details

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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 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-0.35%
Return on Equity - YTD-2.53%
Annual Interest Income$565.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$11.8MM$14.0MM
LoansQ4 2018vs Q4 2017$7.7MM$9.9MM
DepositsQ4 2018vs Q4 2017$10.1MM$12.2MM
Equity CapitalQ4 2018vs Q4 2017$1.7MM$1.7MM
Loan Loss AllowanceQ4 2018vs Q4 2017$207.00K$153.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$123.00K$127.00K
Real Estate OwnedQ4 2018vs Q4 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%$500-18 Month CD Special
0.50%$500$25k2 Year CD
0.50%$50-2 Year Chipmunk Club CD (Children ages 0 - 12)
0.50%$50-2 Year Prime Savers Club CD (Teens ages 13 - 17)
0.40%$500$25k1 Year CD
0.40%$50-1 Year Chipmunk Club CD (Children ages 0 - 12)
0.40%$50-1 Year Prime Savers Club CD (Teens ages 13 - 17)
0.30%$500$25k6 Month CD
0.30%$50-6 Month Chipmunk Club CD (Children ages 0 - 12)
0.30%$50-6 Month Prime Savers Club CD (Teens ages 13 - 17)
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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