BlastPoint's Credit Union Scorecard
ENCOMPASS NIAGARA
Charter #24873 · NY
ENCOMPASS NIAGARA faces 7 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.44% below tier average
- - Efficiency ratio 9.20% above tier (higher cost structure)
- - Delinquency rate 0.09% above tier average
- - Member decline: -8.5% YoY
- - Member Growth Rate: Bottom 7.7% in tier
- - Net Charge-Off Rate: Bottom 8.0% in tier
- - Loan Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,758
-8.5% YoY-2.3% QoQ
|
+81 |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
64% |
| Assets |
$24.1M
-4.4% YoY+3.2% QoQ
|
$-6.1M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
53% |
| Loans |
$13.6M
-16.2% YoY-4.7% QoQ
|
$-1.7M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
59% |
| Deposits |
$21.2M
-4.2% YoY+3.9% QoQ
|
$-4.5M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
54% |
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| ROA |
-0.3%
-86.1% YoY-76.8% QoQ
|
-0.4% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
16% |
| NIM |
3.6%
+6.3% YoY-8.0% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
42% |
| Efficiency Ratio |
99.8%
+2.9% YoY+4.3% QoQ
|
+9.2% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
84% |
| Delinquency Rate |
1.6%
-63.0% YoY-37.2% QoQ
|
+0.1 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
76% |
| Loan To Share |
64.0%
-12.6% YoY-8.3% QoQ
|
+5.5% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
58% |
| AMR |
$12,637
-0.8% YoY+2.7% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
43% |
| CD Concentration |
22.1%
+9.2% YoY+13.1% QoQ
|
-2.2% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-13.8% | 13.8% | 2.6% | 7.7% | 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)