Sep, 30, 2025 — ENCOMPASS NIAGARA FEDERAL CREDIT UNION is a federal credit union headquartered in NIAGARA FALLS, NY with 1 branch location and about $23.17 million in total assets. Opened 92 years ago in 1934, ENCOMPASS NIAGARA FEDERAL CREDIT UNION has about 2,833 members and employs 8 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | ENCOMPASS NIAGARA FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2525 Military Rd NIAGARA FALLS, NY 14304 |
| Phone: | (716) 236-7678 |
| Fax: | (716) 236-7807 |
| Website: | https://www.encompassniagara.com/ |
| Branches: | 1 branch locations |
| Members: | 2,833 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 24873 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1934 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $23,167,074 |
| CEO/Manager: | Alaina L Moeller |
| Chairperson: | Stephen H Schmitt |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 4,261,333 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 5,317,989 |
| Unsecured Loans | 1,671,182 |
| Other Loans | 7,490,032 |
| TOTAL LOANS | 14,479,203 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -353,777 |
| Land And Building | 542,766 |
| Other Fixed Assets | 97,641 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 212,575 |
| All Other Assets | 18,030 |
| TOTAL ASSETS | 23,167,074 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 52,581 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 2,972,222 |
| Regular shares | 10,014,839 |
| All Other Shares & Deposits | 7,386,073 |
| TOTAL SHARES & DEPOSITS | 20,373,134 |
| TOTAL LIABILITIES | 20,425,715 |
| Regular Reserve | 0 |
| Other Reserves | 1,367,304 |
| Undivided Earnings | 1,374,055 |
| TOTAL EQUITY | 2,741,359 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 23,167,074 |
| INCOME & EXPENSE | |
| Loan Income | 145,329 |
| Investment Income | 186,477 |
| Other Income | 109,093 |
| Total Employee Compensation & Benefits | 293,768 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 521,111 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 341,984 |
| Cost of Funds | 251,276 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -795,695 |
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