# ENCOMPASS
Tipton, IN · NCUA charter 8548 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/encompass-8548

Who the members are: federal charter, community charter, organized 1953, low-income designated. 16,200 members of 130,000 potential (12.5% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 70.

**Verdict on the desk:** this could be *ordinary*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $265.3M |
| Members | 16,200 (-6.4% YoY) |
| Full-time staff | 60 |
| Net worth | $22.5M |
| Net worth ratio | 8.5% (p7 of band) |
| ROA (annualized) | 0.55% (p38 of band) |
| Total delinquency | 1.20% (p87 of band) |
| Net charge-offs (annualized) | 1.35% (p96 of band) |
| Loans / shares | 85% (p77 of band) |
| Cash / assets | 10.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.13% (p83 of band) |
| Operating expense / assets | 3.92% (p60 of band) |
| Vehicles % of loans | 36% (p57 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 37% |
| Third-party paper % of net worth | 125% (p64 of band) |
| Vehicle delinquency | 1.78% (p91 of band) |
| Vehicle NCO | 3.16% (p96 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 37% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 36% |
| Average share balance | $8,150 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 70% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $18,051 |
| Loans granted, annualized | $54.2M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **charge-offs p90** (`aq_nco_high`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | delinquency 2x band, charge-offs p90, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 4 | net worth falling |  |
| 2018-06 | 3 |  | net worth falling |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | losing money |  |
| 2019-03 | 4 | net worth falling | losing money |
| 2019-06 | 2 |  | delinquency 2x band, net worth falling |
| 2019-09 | 3 | delinquency 2x band |  |
| 2019-12 | 4 | net worth falling, margin squeeze | delinquency 2x band |
| 2020-03 | 4 |  |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 4 | delinquency 2x band | net worth falling |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 | net worth falling | margin squeeze |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 5 | net worth falling, delinquency rising |  |
| 2022-09 | 3 |  | net worth falling, delinquency rising |
| 2022-12 | 4 | delinquency rising |  |
| 2023-03 | 6 | net worth falling, losing money |  |
| 2023-06 | 6 | thin capital | delinquency rising |
| 2023-09 | 7 | leaning on borrowings |  |
| 2023-12 | 7 | loans>95% of shares | net worth falling |
| 2024-03 | 6 |  | loans>95% of shares |
| 2024-06 | 6 | net worth falling | delinquency 2x band |
| 2024-09 | 7 | delinquency 2x band, loans>95% of shares | net worth falling |
| 2024-12 | 6 |  | leaning on borrowings |
| 2025-03 | 6 | leaning on borrowings | loans>95% of shares |
| 2025-06 | 5 | delinquency rising | losing money, leaning on borrowings |
| 2025-09 | 4 |  | delinquency rising |
| 2025-12 | 4 | members leaving | delinquency 2x band |
| 2026-03 | 4 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-06 [What’s Happening This Week? - Substack](https://news.google.com/rss/articles/CBMidEFVX3lxTE9VMDdjLVBOMFAweVdjVG5LNGhfYmJZMExWMGxnRHdyTjE1NlEzTXViOFhGc1U5RDluNGxnaENpUUNWTHlWdV9uaTcxOFlIRVF4RlZwR3BZSW1UTEJ3Y19aTkFLblJvQlNqbVllYkRvclNPcW1T?oc=5) · Substack
- 2026-04-17 [Encompass Credit Union commits $100,000 to Tipton Baseball Project - The Hamilton County Reporter](https://news.google.com/rss/articles/CBMimAFBVV95cUxPZ2h1YTM2R0FobXg3OXpRdjBqbG9YV0ZfRGNkdVdmd1FibFplMWF3cDQ4c2ZrQ0JBTldKODhOczRHZktNN0xGZHpMdXNWN0FVWWtYbktKSW8tMXRIdFdKT09vVVNIRzUyVEZscmRGQUxzemZBRDNqbEFUX2RRTGplWC13cEJXUFdzTmtlN2lRWjBqVE9yYVRHRw?oc=5) · The Hamilton County Reporter
- 2026-02-17 [Mid Oregon Credit Union Invests in Post-Recovery Resilience - The Source - Bend, Oregon](https://news.google.com/rss/articles/CBMirgFBVV95cUxPdTFBeW9mYWltR1N6eFpRdGxITVNQNGNFLTVPYlU3UHB4VXBlNnI4eU5vTjFPQ2VaS1cxTXFOTlYzYlgzZU9PVnotdDVMcTZGaUxHZlJ0NjdTYm5iY0VrY0VUY3Y5aGNYa2YwbzQxVV9pTmtsNTFWQzZwN3A1ZG8tUjhzWTg3S3dvN21xWXlOTVVSSEg1S1BJN18xM3RBVXl2dlRJSTZHSC14ZEVzekE?oc=5) · The Source - Bend, Oregon
- 2022-10-19 [Encompass FCU’s Matt Lambert is inducted into Indiana Credit Union Hall of Fame - CUInsight](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNU0huVWE1cGlmZWZkRUs3OWpmUXYxaE5qRk9GV1M3QlJhVmZyZDJUckZ6NHkzZ0E3NjFZS1JyNG55SHZWcEdEd1J2SGE4elN5LUpuX0g3cFd6VzQ1VmtESE94ZTNXd0pWbjFlVWw4ZEFKZFVLeDlmWVhJbUs4Y0FOQmJaZEtHQ192dVlSMzE4QVV0bHFuLWVuQkdMU0Zuck8wR1pNMS1feFRfWDRLMzl6ZUJWSGw4UGtWR3FF?oc=5) · CUInsight
- 2025-09-22 [How LOS preferences differ across lender types - National Mortgage News](https://news.google.com/rss/articles/CBMilwFBVV95cUxQNzVsWHN3WTR0TE41am9KSkFpU1JibGl6N2pvUlRoYUxURkdPaE1NeFhPb1NlOU9jUEt2OXFfM0lES25PdlZOVXVacVhxV3BvSHRTOVhnWlhYRERHbEZ1amJhU2dYWjdXOUtZcXVkb3dSaXlVTUc5VzFqbkJjZjFKM1dUaEVSclpNUnZ6cWlQdFhaRDBqU2JN?oc=5) · National Mortgage News
- 2026-04-07 [Mid Oregon Credit Union Fundraiser to Benefit SMART Reading - The Source - Bend, Oregon](https://news.google.com/rss/articles/CBMirgFBVV95cUxPSXd5U2RIWENvZDdFN1RyUkNhbllFbFBiaWFpVTJDc19udjNjQkdBdml0RWNqNDFYM0l2OU9MUWJCR0hnMFluZWVKY2l2R3REZ3VmaWJ1MXRhTEdtQzNNdjdqTGppQlRVM1RwYnpXRW8tZ214RS1tUHFXa1RYUHFWREZwckhqejEzck9oMTk0U3lkSFJrSmN0NVhNOFdEVnpmc2M0OU95ZzNuSGxsQ2c?oc=5) · The Source - Bend, Oregon
- 2026-05-27 [Unity Credit Union welcomes new CEO, Kelly Longley - 620 CKRM](https://news.google.com/rss/articles/CBMijgFBVV95cUxNOC1hcURybVVranRmNWtFMmJUUENxUUVRZ3NwVGJXanI1WTloSk16YVFXSnhBcFVtcDdMSHJlYWN1YWlsbmN6T1hNNDJLbGx3cVhxT2NTYll6WWx3VjJWaldON2tCRzV4TnJwVW9JUTRFQ2NCZ091MW9zZFhYMUcyYm9RTEFlS2xuSzNQWnV3?oc=5) · 620 CKRM
- 2026-03-27 [Tipton breaks ground on new baseball complex at Tipton City Park - The Hamilton County Reporter](https://news.google.com/rss/articles/CBMimAFBVV95cUxOallSbUFjQnJscWNWb0VheXNjT0tIUUdqMzNMeC12V09SUU0yQ1BRNExTczFQYVpSWXdpM056eEFPMW5mWGNROHIzNkxUVGJQUEZ5Z3dMZm9obnFoVUZDd3ZxUEZ0M0Z1bUcyYjZBbXNNVkRuX0tPeFg4X2NpcVUxSmFVb1pOd251Wl8tZWQzczJvQTNTNFF4SQ?oc=5) · The Hamilton County Reporter

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8548 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/36.json (key "8548", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=8548
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide