Side-by-side · Q2 2026 data
District #6 Federal Credit Union vs Encompass Niagara Federal Credit Union
Credit union
District #6 Federal Credit Union
Hornell, 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 | District #6 Federal Credit Union | Encompass Niagara Federal Credit Union |
|---|---|---|
| TellerScore | 51 (stronger) | 48 |
| Capital cushion | 25 | 69 (stronger) |
| Loan quality | 77 (stronger) | 21 |
| Earnings | 0 | 0 |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 93 (stronger) | 77 |
| Peer percentile | 10th | 7th |
| Total assets | $24.6M | $23.2M |
| Deposits / shares | $22.8M | $20.4M |
| Capital ratio | 7.46% | 11.93% (stronger) |
| Problem loans | 0.68% (stronger) | 2.38% |
| Net charge-offs | 1.39% (stronger) | 1.78% |
| Return on assets | -1.12% | -0.52% (stronger) |
| Loans ÷ deposits | 42.9% (stronger) | 65.5% |
| Uninsured deposits | 0.5% (stronger) | 2.9% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
District #6 Federal Credit Union has the higher TellerScore (51 vs 48). On the 7 directional measures above (where higher or lower is clearly better), District #6 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.