Side-by-side · Q2 2026 data
Encompass Federal Credit Union vs Indiana Members Credit Union
Metric by metric
| Measure | Encompass Federal Credit Union | Indiana Members Credit Union |
|---|---|---|
| TellerScore | 52 | 74 (stronger) |
| Capital cushion | 44 | 56 (stronger) |
| Loan quality | 47 | 84 (stronger) |
| Earnings | 49 | 64 (stronger) |
| Funding & liquidity | 67 | 90 (stronger) |
| Problem-loan coverage | 71 | 94 (stronger) |
| Peer percentile | 8th | 72nd |
| Total assets | $240.7M | $3.6B |
| Deposits / shares | $216.9M | $3.1B |
| Capital ratio | 9.36% | 10.56% (stronger) |
| Problem loans | 1.60% | 0.49% (stronger) |
| Net charge-offs | 1.37% | 0.40% (stronger) |
| Return on assets | 0.71% | 1.11% (stronger) |
| Loans ÷ deposits | 93.7% | 70.6% (stronger) |
| Uninsured deposits | 11.9% | 11.5% (stronger) |
| Offices | 4 | 33 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.0% | 14.1% |
Indiana Members Credit Union has the higher TellerScore (74 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Encompass Federal Credit Union leads on 0 and Indiana Members Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.