Side-by-side · Q2 2026 data
Moog Employees Federal Credit Union vs Encompass Niagara Federal Credit Union
Credit union
Moog Employees Federal Credit Union
East Aurora, New York · $100 million – $1 billion
Credit union
Encompass Niagara Federal Credit Union
Niagara Falls, New York · Under $100 million in assets
Metric by metric
| Measure | Moog Employees Federal Credit Union | Encompass Niagara Federal Credit Union |
|---|---|---|
| TellerScore | 100 (stronger) | 48 |
| Capital cushion | 100 (stronger) | 69 |
| Loan quality | 100 (stronger) | 21 |
| Earnings | 100 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 100 (stronger) | 77 |
| Peer percentile | 100th | 7th |
| Total assets | $257.3M | $23.2M |
| Deposits / shares | $188.4M | $20.4M |
| Capital ratio | 26.63% (stronger) | 11.93% |
| Problem loans | 0.00% (stronger) | 2.38% |
| Net charge-offs | 0.13% (stronger) | 1.78% |
| Return on assets | 1.99% (stronger) | -0.52% |
| Loans ÷ deposits | 52.5% (stronger) | 65.5% |
| Uninsured deposits | 5.8% | 2.9% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.2% | — |
Moog Employees Federal Credit Union has the higher TellerScore (100 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Moog Employees Federal Credit Union leads on 6 and Encompass Niagara Federal Credit Union on 1. 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.