Encompass Niagara
Encompass Niagara is a credit union based in Niagara Falls, New York, established in 1934, with $24 million in total assets serving 2,758 members. By Trust Grade it ranks 194th of 267 credit unions we track in New York. Its net worth ratio of 11.7% trails most similarly sized credit unions (30th percentile), versus a New York median of 12%. It posted a loss over the most recent period (-0.29% return on assets), a point to watch. No consumer complaints against Encompass Niagara appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Encompass Niagara compares to New York peers
How we graded Encompass Niagara
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.7% capital ratio)
- Unprofitable over the period (ROA -0.29%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Encompass Niagara over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Encompass Niagara insured?
Yes. Encompass Niagara is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Encompass Niagara: frequently asked questions
Is Encompass Niagara a good credit union?
Encompass Niagara earns a Bankzia Trust Grade of B (86/100, "Strong"), based on a financial-strength score of 86/100 (it has no CFPB complaints on record). Strongly capitalized (11.7% capital ratio); Unprofitable over the period (ROA -0.29%).
Is Encompass Niagara NCUA-insured?
Yes. Encompass Niagara is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Encompass Niagara?
Encompass Niagara holds $24 million in total assets, ranking 194th of 267 credit unions we track in New York. It serves 2,758 members.
Does Encompass Niagara have CFPB complaints?
No CFPB complaints against Encompass Niagara appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
