Charter 8548 · Tipton, IN
Encompass Federal Credit Union
Encompass Federal Credit Union is a federally chartered credit union in Tipton, Indiana, with $241 million in assets and 16,099 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.36%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $241 million
- -8.8% in a year
- Members
- 16,099
- -7.5% in a year
- Net worth ratio
- 9.36%
- Peer median 11.65%
- Loans 60+ days late
- 1.60%
- Peer median 0.70%
- Loans outstanding
- $203 million
- -7.0% in a year
- Shares and deposits
- $217 million
- -8.0% in a year
- Branches
- 4
- 61 employees
- Opened
- 1953
- Federal charter
How Encompass Federal Credit Union compares
NCUA groups credit unions by size; Encompass Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 9.36% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 1.60%, is higher than the group median of 0.70%. Loans fell 7.0% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 28 of 121 credit unions headquartered in Indiana. See all Indiana credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $241 million | 16,099 | $203 million | 9.36% | 1.60% |
| Q1 2026 | $265 million | 16,200 | $206 million | 8.48% | 1.20% |
| Q4 2025 | $264 million | 16,435 | $212 million | 8.39% | 1.39% |
| Q3 2025 | $265 million | 17,440 | $218 million | 8.22% | 2.09% |
| Q2 2025 | $264 million | 17,412 | $218 million | 8.13% | 1.60% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 130,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 5 sites for Encompass Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Tipton Branch
201 N Main St, Tipton, IN 46072 - Holiday Road Branch
2115 W Holiday Rd, Frankfort, IN 46041 - Maish Road Branch
1035 N Maish Rd, Frankfort, IN 46041 - Corporate Office (main office)
221 N Main St, Tipton, IN 46072 - Reed Road Branch
4020 South Reed Road, Kokomo, IN 46901
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology