BlastPoint's Credit Union Scorecard
ENCOMPASS NIAGARA
Charter #24873 · NY
ENCOMPASS NIAGARA has 1 strength but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 5.15% below tier average
- - Efficiency ratio 144.23% above tier (higher cost structure)
- - Delinquency rate 0.69% above tier average
- - Member decline: -9.8% YoY
- - Net Interest Margin (NIM): Bottom 0.4% in tier
- - Net Charge-Off Rate: Bottom 4.2% in tier
- - Member Growth Rate: Bottom 6.2% in tier
- - Loan Growth Rate: Bottom 7.4% in tier
- - Asset Growth Rate: Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,833
-9.8% YoY-2.9% QoQ
|
+207 |
2,625
-2.2% YoY
|
25,964
+5.4% YoY
|
33,089
+6.1% YoY
|
64% |
| Assets |
$23.2M
-7.9% YoY-4.6% QoQ
|
$-6.7M |
$29.9M
+1.1% YoY
|
$471.3M
+6.4% YoY
|
$547.7M
+7.8% YoY
|
52% |
| Loans |
$14.5M
-18.5% YoY-7.0% QoQ
|
$-1.3M |
$15.8M
-2.4% YoY
|
$316.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
60% |
| Deposits |
$20.4M
-6.4% YoY-2.8% QoQ
|
$-5.1M |
$25.5M
+0.4% YoY
|
$400.0M
+7.6% YoY
|
$464.6M
+9.3% YoY
|
53% |
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| ROA |
-4.5%
-377.6% YoY-471.6% QoQ
|
-5.2% |
0.7%
-731.4% YoY
|
0.9%
+294.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.3% in tier |
| NIM |
0.5%
-86.6% YoY-92.6% QoQ
|
-3.5% |
3.9%
+3.8% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.3% in tier |
| Efficiency Ratio |
225.6%
+231.5% YoY+264.9% QoQ
|
+144.2% |
81.4%
-2.4% YoY
|
80.1%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 0.9% in tier |
| Delinquency Rate |
2.2%
-8.8% YoY-36.0% QoQ
|
+0.7 |
1.5%
-2.0% YoY
|
1.7%
-8.3% YoY
|
1.2%
-0.9% YoY
|
82% |
| Loan To Share |
71.1%
-13.0% YoY-4.3% QoQ
|
+9.8% |
61.2%
-3.0% YoY
|
61.5%
-2.3% YoY
|
68.0%
-1.7% YoY
|
64% |
| AMR |
$12,302
-2.3% YoY-1.7% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$19,040
-21.7% YoY
|
$19,418
+1.3% YoY
|
41% |
| CD Concentration |
19.0%
+0.6% YoY-3.4% QoQ
|
-5.5% |
24.4%
+4.2% YoY
|
15.9%
+8.4% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-14.0% |
14.0%
-5.7% YoY
|
2.6%
-3.7% YoY
|
7.9%
-2.9% YoY
|
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)