Sep, 30, 2025 — ENCOMPASS FEDERAL CREDIT UNION is a federal credit union headquartered in TIPTON, IN with 4 branch locations and about $265.24 million in total assets. Opened 73 years ago in 1953, ENCOMPASS FEDERAL CREDIT UNION has about 17,440 members and employs 57 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 FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 221 N Main St TIPTON, IN 46072-1636 |
| Phone: | (800) 675-8852 |
| Fax: | (765) 675-1183 |
| Website: | https://www.encompasscu.org |
| Branches: | 4 branch locations |
| Members: | 17,440 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 8548 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1953 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $265,244,350 |
| CEO/Manager: | Josh Frawley |
| Chairperson: | Gregory M Sottong |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 13,867,651 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 99,819,455 |
| Unsecured Loans | 11,333,184 |
| Other Loans | 104,911,018 |
| TOTAL LOANS | 218,052,316 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -5,282,131 |
| Land And Building | 10,009,506 |
| Other Fixed Assets | 646,067 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 2,073,363 |
| All Other Assets | 0 |
| TOTAL ASSETS | 265,244,350 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 6,000,000 |
| Accounts Payable & Other Liabilities | 1,350,987 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 40,127,854 |
| Regular shares | 74,555,425 |
| All Other Shares & Deposits | 121,885,610 |
| TOTAL SHARES & DEPOSITS | 236,568,890 |
| TOTAL LIABILITIES | 243,919,877 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 21,324,473 |
| TOTAL EQUITY | 21,324,473 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 265,244,350 |
| INCOME & EXPENSE | |
| Loan Income | 11,456,248 |
| Investment Income | 602,505 |
| Other Income | 1,248,432 |
| Total Employee Compensation & Benefits | 3,684,085 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 4,091,230 |
| Non-operating Income & (Expense) | 1,209,795 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 2,155,954 |
| Cost of Funds | 4,093,485 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,525,881 |
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