TellerScore

Encompass Federal Credit Union is a federal credit union headquartered in Tipton, Indiana, in business for about 73 years. At the end of Q2 2026 it reported $240.7M in total assets and $216.9M in member shares and deposits, with 4 offices.

Encompass Federal Credit Union has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 8% of its 1,341 credit unions with $100 million – $1 billion. Among 121 credit unions headquartered in Indiana, it ranks 112th. Problem-loan coverage contributes the most (71/100, 14.4%); capital cushion contributes the least (44/100, 9.36%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Net worth ratio: 9.36%
Loan quality47/100
Loans 60+ days delinquent ÷ total loans: 1.60%
Earnings49/100
Return on assets (annualized): 0.71%
Funding & liquidity67/100
Loans ÷ shares: 93.7% · 11.9% uninsured
Problem-loan coverage71/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 14.41%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (49 → 52), mostly because the capital cushion component improved by 13 points.

TellerScore
354453Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202445
Q3 202440
Q4 202435
Q1 202541
Q2 202549
Q3 202543
Q4 202551
Q1 202653
Q2 202652
Net worth ratio
7.00%8.18%9.36%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20247.77%
Q3 20247.84%
Q4 20247.85%
Q1 20257.59%
Q2 20258.13%
Q3 20258.22%
Q4 20258.39%
Q1 20268.48%
Q2 20269.36%
Delinquent loans (60+ days)
1.03%1.56%2.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.03%
Q3 20241.50%
Q4 20241.90%
Q1 20251.30%
Q2 20251.60%
Q3 20252.09%
Q4 20251.39%
Q1 20261.20%
Q2 20261.60%
Return on assets
-0.32%0.29%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.23%
Q3 2024-0.21%
Q4 2024-0.25%
Q1 2025-0.32%
Q2 20250.91%
Q3 20250.77%
Q4 20250.71%
Q1 20260.55%
Q2 20260.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202652$240.7M9.36%1.60%0.71%93.7%
Q1 202653$265.3M8.48%1.20%0.55%85.1%
Q4 202551$263.9M8.39%1.39%0.71%90.1%
Q3 202543$265.2M8.22%2.09%0.77%92.2%
Q2 202549$264.0M8.13%1.60%0.91%92.7%
Q1 202541$270.5M7.59%1.30%-0.32%93.0%
Q4 202435$264.4M7.85%1.90%-0.25%95.8%
Q3 202440$267.9M7.84%1.50%-0.21%95.9%
Q2 202445$271.6M7.77%1.03%-0.23%94.8%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.36%
17th
Problem loans1.60%
11th
Net charge-offs1.37%
4th
Return on assets0.71%
48th
Loans to deposits93.7%
10th
Uninsured deposits11.9%
11th
Loan-loss reserves0.00%
50th
Texas ratio14.4%
6th

Similar-size credit unions in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
U S #1364 Federal Credit UnionCredit union Merrillville, IN76 out of 100, Strong$222.4M13.6%1.12%vs
Primetrust Financial Federal Credit UnionCredit union Muncie, IN66 out of 100, Moderate$272.9M10.4%0.88%vs
Summit Choice Federal Credit UnionCredit union Fort Wayne, IN72 out of 100, Strong$206.6M12.6%0.66%vs
First Trust Credit UnionCredit union Michigan City, IN63 out of 100, Moderate$191.6M13.4%3.08%vs
Regional Federal Credit UnionCredit union Winfield, IN68 out of 100, Moderate$180.1M13.6%1.07%vs
Diamond Valley Federal Credit UnionCredit union Evansville, IN78 out of 100, Strong$178.8M12.9%0.72%vs

Deposit insurance

Is my money safe at Encompass Federal Credit Union?

Yes. Encompass Federal Credit Union is a federally insured credit union (NCUA charter #8548). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 11.9% of shares and deposits ($25.8M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.36%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Encompass Federal Credit Union lists 4 offices in 2 cities. Most locations:

  • Frankfort, IN (2)
  • Tipton, IN (2)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Encompass Federal Credit Union reported 102 home-loan applications under HMDA (LEI 549300NDK40VRDTY4O46): 89 originated ($10,465,000 total), 7 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Encompass Federal Credit Union
Type
Federal credit union
NCUA charter #
8548
RSSD ID
254689
Primary regulator
NCUA
Established
1953
Headquarters
221 N Main St, Tipton, IN 46072
Employees
61

Quick answers

Encompass Federal Credit Union: common questions

Is Encompass Federal Credit Union NCUA insured?

Yes. Encompass Federal Credit Union is a federally insured credit union (NCUA charter #8548). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Encompass Federal Credit Union's TellerScore?

52 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Encompass Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Tipton

InstitutionScoreAssetsCapitalProblem loansCompare
Forum Credit UnionCredit union Indianapolis, IN80 out of 100, Strong$2.3B13.3%0.31%vs
The Peoples State BankBank Ellettsville, IN78 out of 100, Strong$506.6M10.5%0.19%vs
Solidarity Community Federal Credit UnionCredit union Kokomo, IN76 out of 100, Strong$351.1M12.4%0.47%vs
Financial Builders Federal Credit UnionCredit union Kokomo, IN75 out of 100, Strong$151.5M12.5%0.85%vs
Indiana Members Credit UnionCredit union Indianapolis, IN74 out of 100, Strong$3.6B10.6%0.49%vs
Madison County Federal Credit UnionCredit union Anderson, IN73 out of 100, Strong$114.0M11.2%0.67%vs