Side-by-side · Q2 2026 data
Titan Federal Credit Union vs Encompass Niagara Federal Credit Union
Credit union
Titan Federal Credit Union
Pleasant Gap, Pennsylvania · 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 | Titan Federal Credit Union | Encompass Niagara Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 48 |
| Capital cushion | 100 (stronger) | 69 |
| Loan quality | 90 (stronger) | 21 |
| Earnings | 82 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 98 (stronger) | 77 |
| Peer percentile | 95th | 7th |
| Total assets | $69.5M | $23.2M |
| Deposits / shares | $58.8M | $20.4M |
| Capital ratio | 15.43% (stronger) | 11.93% |
| Problem loans | 0.31% (stronger) | 2.38% |
| Net charge-offs | 0.02% (stronger) | 1.78% |
| Return on assets | 1.56% (stronger) | -0.52% |
| Loans ÷ deposits | 55.8% (stronger) | 65.5% |
| Uninsured deposits | 2.6% (stronger) | 2.9% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.6% | — |
Titan Federal Credit Union has the higher TellerScore (94 vs 48). On the 7 directional measures above (where higher or lower is clearly better), Titan Federal Credit Union leads on 7 and Encompass Niagara Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.