BlastPoint's Credit Union Scorecard
ENCOMPASS NIAGARA
Charter #24873 · NY
ENCOMPASS NIAGARA has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.01% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.88% below tier average
- - Efficiency ratio 13.17% above tier (higher cost structure)
- - Delinquency rate 0.98% above tier average
- - Member decline: -9.3% YoY
- - Net Charge-Off Rate: Bottom 4.9% in tier
- - Member Growth Rate: Bottom 6.2% in tier
- - Loan Growth Rate: Bottom 8.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,824
-9.3% YoY-0.3% QoQ
|
+208 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
65% |
| Assets |
$23.4M
-5.8% YoY+0.9% QoQ
|
$-6.8M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
52% |
| Loans |
$14.3M
-16.8% YoY-1.4% QoQ
|
$-1.5M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
60% |
| Deposits |
$20.5M
-5.3% YoY+0.4% QoQ
|
$-5.2M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
53% |
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| ROA |
-1.3%
-232.2% YoY-71.9% QoQ
|
-1.9% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.7% in tier |
| NIM |
4.0%
+31.5% YoY+776.1% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
53% |
| Efficiency Ratio |
95.7%
+20.6% YoY-57.6% QoQ
|
+13.2% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
84% |
| Delinquency Rate |
2.5%
-29.3% YoY+15.6% QoQ
|
+1.0 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
83% |
| Loan To Share |
69.8%
-12.1% YoY-1.8% QoQ
|
+9.2% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
64% |
| AMR |
$12,299
-1.2% YoY-0.0% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
41% |
| CD Concentration |
19.5%
+5.5% YoY+3.0% QoQ
|
-4.9% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)