Niagara Falls, New York · Peer group 3
Encompass Niagara Credit Union
Encompass Niagara Credit Union holds $24.1M in assets across 2,758 members as of Q1 2026 — about $9K of assets per member, on a charter dating to 1934. Charter number 24873, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $24.1M |
|---|---|
| Total loans | $13.6M |
| Total shares (deposits) | $21.2M |
| Net worth | $2.8M |
| Members | 2,758 |
| Assets per member | $9K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -4.4% | |
|---|---|---|
| Loans | -16.2% | lower than 94% of its peer group |
| Deposits | -4.2% | around the 18th percentile of its peer group |
| Members | -8.5% | lower than 93% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 64.0% | around the 60th percentile of its peer group |
|---|---|---|
| Net worth ratio | 11.7% | around the 33rd percentile of its peer group |
| Return on assets | -0.29% | around the 13th percentile of its peer group |
| Delinquency ratio | 1.59% | around the 80th percentile of its peer group |
| Cash / assets | 18.4% | around the 79th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Encompass Niagara Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within New York — the comparison set a peer ratio is measured against.
- Cobblestone Country Credit Union
Albion, NY
$23.9M · 2,731 members
- Special Metals Credit Union
NEW HARTFORD, NY
$23.6M · 1,767 members
- District #6 Credit Union
Hornell, NY
$24.7M · 1,707 members
- Ny Firefighters Bravest Credit Union
albany, NY
$24.7M · 4,744 members
- U. H. S. Employees Credit Union
Johnson City, NY
$25.0M · 3,059 members
- Alliance Niagara Credit Union
SANBORN, NY
$23.1M · 1,134 members
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