Federal credit union · West Seneca, New York · NCUA charter #613
Empire One
Health score 77/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $77.4M
- Total assets
- 4,985
- Members
- 10.9%
- Net-worth ratio
Empire One - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #613: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Empire One - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)97
- Earnings (ROA)56
- Member growth29
- Liquidity (loan-to-share)67
Weighted composite: 77/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 10.94% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.94% | 30% |
| Delinquency Rate | 0.58% | 25% |
| Return on Assets | 0.09% | 15% |
| Member Growth | -2.58% | 15% |
| Loan-to-Share Ratio | 45.81% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $77.4M | 4,985 |
| 2024Q4 | $76.8M | 5,117 |
| 2023Q4 | $79.4M | 5,678 |
Credit Union Details
- Charter Number
- 613
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- New York
- City
- West Seneca
- Data Quarter
- 2025Q4
What This Data Says About Empire One
4,985 members and $77.4M in total assets sit behind Empire One, a federal credit union in West Seneca, New York, which posts a health score of 77/100 (Very Good) on the five-factor composite, with $31.2M in outstanding loans as of Q4 2025 and a net worth ratio of 10.94% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #613 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
0.58% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Deposit deployment is captured by the 45.81% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.09% on net income of $66K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.58%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Empire One financially healthy?
A 10.94% net worth ratio and a 0.58% delinquency rate feed into Empire One's financial health score of 77/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Empire One compare to other credit unions?
PlainCU's health composite puts Empire One at 77/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Empire One?
Empire One operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Empire One directly for the exact boundaries and application steps.
Is my money safe at Empire One?
Federal credit unions like Empire One are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Empire One's net worth ratio of 10.94% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Empire One offer compared to banks?
Credit unions like Empire One are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Empire One directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.