Encompass Federal Credit Union Tipton, Indiana
Encompass Federal Credit Union is a federal credit union headquartered in Tipton, IN, established in 1953 (NCUA charter 8548), and it is regulated and insured by the NCUA. At Q2 2026 it reported 16,099 members and total assets of $240.7M (down 8.8% from Q2 2025), the 28th largest of 118 credit unions headquartered in Indiana. Its net worth ratio was 9.36% at Q2 2026, in the well capitalized band.
Also written as Encompass FCU
BankRegReports is independent of Encompass Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 8548
- Headquarters
- Tipton, IN
- Established
- 1953
- Total assets, Q2 2026
- $240.7M
- Assets vs Q2 2025
- -8.8%
- Members, Q2 2026
- 16,099
- Net worth ratio, Q2 2026
- 9.36%
- Latest call report
- Q2 2026, NCUA 5300 · Encompass Federal Credit Union call report
- Asset rank in state
- 28th of 118 in Indiana
- Routing number
- 274976038
- Branches
- 5
It has 1,313 fewer members than on June 30, 2025 (-7.5%). Its net worth ratio was up 1.23 percentage points from 8.13% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $94.0M of $203.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.60% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 9.36% net worth ratio is below that band's 11.43% median.
Credit unions similar in size in Indiana
Frequently asked about Encompass Federal Credit Union
How big is Encompass Federal Credit Union?
At Q2 2026 it reported total assets of $240.7M and 16,099 members.
Where is Encompass Federal Credit Union headquartered?
It is headquartered in Tipton, IN, United States.
When was Encompass Federal Credit Union founded?
It was established in 1953, per NCUA records.
Is Encompass Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 8548): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Encompass Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Encompass Federal Credit Union well capitalized?
Its net worth ratio was 9.36% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Encompass Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.60% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Encompass Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 93.68% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Tipton, IN 46072
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1953
- NCUA Charter #
- 8548
- RSSD ID
- 254689
- Members
- 16,099
- Potential members
- 130,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 9.36% | 11.43% | 19th bottom |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.83% | 0.81% | 51st above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 8.86% | 7.02% | 66th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.76% | 3.70% | over 90th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 69.37% | 76.55% | 73rd above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.68% | 1.24% | 20th bottom |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.60% | 0.68% | 13th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 6.43% | 4.92% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 93.68% | 75.66% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$240.7M total assets against $264.0M; $216.9M total shares and deposits against $235.7M; $203.1M total loans against $218.4M.
$22.5M net worth against $21.5M.
9.36% net worth ratio against 8.13%.
93.68% loan-to-share ratio against 92.67%.
1.60% delinquency ratio against 1.60%.
0.83% return on assets against 2.15%; 8.86% return on equity against 26.33%.
4.76% net interest margin against 4.04%.
16,099 members against 17,412.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.36% | 0.83% | 1.60% | 93.68% |
| March 31, 2026 | 8.48% | 0.55% | 1.20% | 85.07% |
| December 31, 2025 | 8.39% | 0.51% | 1.39% | 90.11% |
| September 30, 2025 | 8.22% | 0.49% | 2.09% | 92.17% |
| June 30, 2025 | 8.13% | 2.15% | 1.60% | 92.67% |
| March 31, 2025 | 7.59% | -0.32% | 1.30% | 92.97% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.