Credit union · NCUA insured
Encompass Niagara Federal Credit Union
A $24.1M credit union headquartered in Niagara Falls, NY, with 2,758 members and 1 branch in New York. Best rates: CDs 4.18% and savings 0.05% APY.
Encompass Niagara Federal Credit Union Carrot Score
64
Carrot Score
Higher than 11% of U.S. banks and credit unions
#46 of 52 in Buffalo, NY metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Encompass Niagara Federal Credit Union
- Headquarters
- 2525 Military Rd, Niagara Falls, NY 14304
- NCUA charter
- 24873
Branches
1 branch in New York
Loading map…
New York
1 branch
- Encompass Niagara Federal Credit UnionMain office2525 Military Rd, Niagara Falls, NY 14304Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.93% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.38% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.52% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $65 | $59 | — |
- CapitalNet worth ratio11.93%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.38%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.52%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$65Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Encompass Niagara Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.