Side-by-side · Q2 2026 data
Special Metals Federal Credit Union vs Encompass Niagara Federal Credit Union
Credit union
Special Metals Federal Credit Union
New Hartford, 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 | Special Metals Federal Credit Union | Encompass Niagara Federal Credit Union |
|---|---|---|
| TellerScore | 60 (stronger) | 48 |
| Capital cushion | 68 | 69 (stronger) |
| Loan quality | 61 (stronger) | 21 |
| Earnings | 3 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 90 (stronger) | 77 |
| Peer percentile | 22nd | 7th |
| Total assets | $22.1M | $23.2M |
| Deposits / shares | $19.5M | $20.4M |
| Capital ratio | 11.75% | 11.93% (stronger) |
| Problem loans | 1.18% (stronger) | 2.38% |
| Net charge-offs | 1.22% (stronger) | 1.78% |
| Return on assets | -0.42% (stronger) | -0.52% |
| Loans ÷ deposits | 56.2% (stronger) | 65.5% |
| Uninsured deposits | 0.0% (stronger) | 2.9% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Special Metals Federal Credit Union has the higher TellerScore (60 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Special Metals Federal Credit Union leads on 6 and Encompass Niagara Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.