Side-by-side · Q2 2026 data
Local 804 Federal Credit Union vs Encompass Niagara Federal Credit Union
Credit union
Local 804 Federal Credit Union
Port Washington, 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 | Local 804 Federal Credit Union | Encompass Niagara Federal Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 48 |
| Capital cushion | 100 (stronger) | 69 |
| Loan quality | 0 | 21 (stronger) |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 74 | 95 (stronger) |
| Problem-loan coverage | 86 (stronger) | 77 |
| Peer percentile | 40th | 7th |
| Total assets | $22.5M | $23.2M |
| Deposits / shares | $15.6M | $20.4M |
| Capital ratio | 30.73% (stronger) | 11.93% |
| Problem loans | 3.71% | 2.38% (stronger) |
| Net charge-offs | 1.31% (stronger) | 1.78% |
| Return on assets | 2.30% (stronger) | -0.52% |
| Loans ÷ deposits | 86.6% | 65.5% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 2.9% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Local 804 Federal Credit Union has the higher TellerScore (70 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Local 804 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.