ENCOMPASS

Charter #8548 | IN

100M-500M (1077 CUs) Micro
19 100M-500M in IN

ENCOMPASS has 4 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 24.2% in tier
  • + Organic Growth Engine: Top 26.8% in tier
  • + Net Interest Margin 0.43% above tier average
  • + Fee Income Per Member: Top 9.9% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 4.6% in tier
  • - Shrinking Wallet Share: Bottom 19.2% in tier
  • - Liquidity Strain: Bottom 30.4% in tier
  • - Flatlined Growth: Bottom 38.8% in tier
  • - ROA 0.02% below tier average
  • - Delinquency rate 1.23% above tier average
  • - Net Charge-Off Rate: Bottom 3.5% in tier
  • - Net Worth Ratio: Bottom 5.4% in tier
  • - Total Delinquency Rate (60+ days): Bottom 5.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Members 17,440
+1.4% YoY+0.2% QoQ
 +1.8K 15,628
-3.4% YoY
 22,637
+3.1% YoY
 33,089
+6.1% YoY
 66th in tier
Assets $265.2M
-1.0% YoY+0.5% QoQ
 +$33.9M $231.3M
-0.0% YoY
 $383.9M
+8.8% YoY
 $547.7M
+7.8% YoY
 67th in tier
Loans $218.1M
-2.0% YoY-0.2% QoQ
 +$70.3M $147.8M
-1.4% YoY
 $276.9M
+7.4% YoY
 $388.7M
+8.6% YoY
 Top 20.7% in tier
Deposits $236.6M
+2.0% YoY+0.4% QoQ
 +$36.3M $200.3M
-0.0% YoY
 $323.0M
+10.5% YoY
 $464.6M
+9.3% YoY
 68th in tier
ROA 0.8%
-474.7% YoY-14.2% QoQ
 -0.0% 0.8%
+15.5% YoY
 0.9%
+24.5% YoY
 0.7%
+273.4% YoY
 50th in tier
NIM 4.0%
+15.3% YoY+3.3% QoQ
 +0.4% 3.6%
+6.9% YoY
 3.8%
+8.0% YoY
 3.7%
+5.0% YoY
 74th in tier
Efficiency Ratio 67.9%
-17.0% YoY+2.8% QoQ
 -9.4% 77.3%
-3.0% YoY
 77.7%
-3.5% YoY
 79.1%
-3.3% YoY
 Bottom 21.1% in tier
Delinquency Rate 2.1%
+38.9% YoY+30.5% QoQ
 +1.2 0.9%
+7.6% YoY
 1.3%
+19.3% YoY
 1.2%
-0.9% YoY
 Top 5.8% in tier
Loan To Share 92.2%
-3.9% YoY-0.5% QoQ
 +19.5% 72.7%
-1.5% YoY
 69.6%
-2.1% YoY
 68.0%
-1.7% YoY
 Top 11.4% in tier
AMR $26,068
-1.3% YoY-0.0% QoQ
 +$2K $24,363
+2.9% YoY
 $18,326
+4.3% YoY
 $19,418
+1.3% YoY
 70th in tier
CD Concentration 37.1%
-2.9% YoY-0.2% QoQ
 +12.7% 24.4%
+4.2% YoY
 19.0%
+9.9% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 14.4%
-16.8% YoY-6.3% QoQ
 +0.4% 14.0%
-5.8% YoY
 11.0%
-3.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#320 of 430 • Top 24.2% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.37%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth
#491 of 603 • Top 26.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.37%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.77%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 14.36%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (4)

Credit Quality Pressure

risk
#114 of 736 • Bottom 4.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.58% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#192 of 244 • Bottom 19.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.32%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Liquidity Strain

risk
#236 of 258 • Bottom 30.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 92.17%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): -1.98%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

Flatlined Growth

risk
#41 of 58 • Bottom 38.8% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $265.24M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Asset Growth (YoY): -0.98%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Return on Assets: 0.77%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
58 of 1077 Community CUs have this signature | 82 nationally
↑ Growing +10 CUs YoY | New qualifier

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)

Comparing against 1077 peers in tier

Top Strengths (5 metrics)

108
Fee Income Per Member
profitability
Value: $266.96
Peer Avg: $174.31
#108 of 1077 Top 9.9% in 100M-500M tier
123
Loan-to-Share Ratio
balance_sheet
Value: 92.17%
Peer Avg: 72.70%
#123 of 1077 Top 11.3% in 100M-500M tier
221
Loan-to-Member Ratio (LMR)
engagement
Value: $12,503
Peer Avg: $10,245
#221 of 1077 Top 20.4% in 100M-500M tier
223
Total Loans
balance_sheet
Value: $218.05M
Peer Avg: $147.80M
#223 of 1077 Top 20.6% in 100M-500M tier
228
Efficiency Ratio
profitability
Value: 67.86%
Peer Avg: 77.28%
#228 of 1077 Top 21.1% in 100M-500M tier

Top Weaknesses (6 metrics)

1040
Net Charge-Off Rate
risk
Value: 1.54%
Peer Avg: 0.47%
#1040 of 1077 Bottom 3.5% in 100M-500M tier
1020
Net Worth Ratio
risk
Value: 8.22%
Peer Avg: 12.15%
#1020 of 1077 Bottom 5.4% in 100M-500M tier
1015
Total Delinquency Rate (60+ days)
risk
Value: 2.09%
Peer Avg: 0.86%
#1015 of 1077 Bottom 5.8% in 100M-500M tier
956
Share Certificate Concentration (%)
balance_sheet
Value: 37.10%
Peer Avg: 23.61%
#956 of 1077 Bottom 11.3% in 100M-500M tier
928
Asset Growth Rate
growth
Value: -0.98%
Peer Avg: 4.70%
#928 of 1077 Bottom 13.9% in 100M-500M tier
922
AMR Growth Rate
growth
Value: -1.32%
Peer Avg: 3.64%
#922 of 1077 Bottom 14.5% in 100M-500M tier