Side-by-side · Q2 2026 data
Alliance Niagara Federal Credit Union vs Encompass Niagara Federal Credit Union
Credit union
Alliance Niagara Federal Credit Union
Sanborn, New York · Under $100 million in assets
Credit union
Encompass Niagara Federal Credit Union
Niagara Falls, New York · Under $100 million in assets
Metric by metric
| Measure | Alliance Niagara Federal Credit Union | Encompass Niagara Federal Credit Union |
|---|---|---|
| TellerScore | 50 (stronger) | 48 |
| Capital cushion | 28 | 69 (stronger) |
| Loan quality | 40 (stronger) | 21 |
| Earnings | 38 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 85 (stronger) | 77 |
| Peer percentile | 9th | 7th |
| Total assets | $24.1M | $23.2M |
| Deposits / shares | $22.2M | $20.4M |
| Capital ratio | 7.79% | 11.93% (stronger) |
| Problem loans | 1.81% (stronger) | 2.38% |
| Net charge-offs | 0.27% (stronger) | 1.78% |
| Return on assets | 0.44% (stronger) | -0.52% |
| Loans ÷ deposits | 34.2% (stronger) | 65.5% |
| Uninsured deposits | 3.1% | 2.9% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alliance Niagara Federal Credit Union has the higher TellerScore (50 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Alliance Niagara Federal Credit Union leads on 5 and Encompass Niagara Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.