Overview / Commentary
2525 Military Rd
Niagara Falls, NY 14304

Encompass Niagara Federal Credit Union is headquartered in Niagara Falls and is the 218th largest credit union in the state of New York. It is also the 3,864th largest credit union in the nation. It was established in 1934 and as of September of 2018, it had grown to 4 employees and 1,592 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.
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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 - YTD-0.74%
Return on Equity - YTD-5.72%
Annual Interest Income$432.00K
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$12.3MM$15.0MM
LoansQ3 2018vs Q3 2017$8.2MM$10.4MM
DepositsQ3 2018vs Q3 2017$10.7MM$13.1MM
Equity CapitalQ3 2018vs Q3 2017$1.6MM$1.8MM
Loan Loss AllowanceQ3 2018vs Q3 2017$198.00K$60.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$122.00K$180.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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Encompass Niagara Federal Credit Union Savings Account Rates

0.05%$25-Christmas Club
0.05%--Truth in Savings

Encompass Niagara Federal Credit Union Checking Account Rates


Encompass Niagara Federal Credit Union CD Rates

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

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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