Federal credit union · West Seneca, New York · NCUA charter #613
Empire One
Health score 77/100, grade B (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 scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $77.4M; members 4,985; net-worth ratio 10.90%; health rank #3,110 of 4,374; healthier than 28th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,110 of 4,374 health · 2025Q4Empire One · health 77/100 · $77.4M · 2025Q4
- CHARTER 77/100
- NCUSIF 10.9%
- CAMELS 0.58%
- HEALTH 0.09%
- NW $77.4M
- DELQ 4,985
- ROA #3,110/4,374
- ASSETS SM
- MEM 613
Call Report peers
Empire One in the assets neighbourhood
Empire One's $77.4M assets sit next to SM ($77.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Empire One vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.58% here, 0.96% peer average (-0.38 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -16.79 pp (45.81% vs 62.60%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for Empire One
- New York health ordinal: #177 of 272.
- By total assets, Empire One is #104 of 272 in New York.
- Member book place in New York: #111 of 272.
In-state ordinals use the live credit_unions table for NY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Empire One Call Report trajectory
Empire One: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.5% from $77.4M (2025Q4) to $77.0M (2026Q1).
- Net-worth ratio shifted -0.09 pp (10.99% → 10.90%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.90% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 77/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 77.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.2 pts
- Return on Assets 8.4 pts
- Member Growth 4.4 pts
- Loan-to-Share Ratio 10.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.90% | -2.72 pp |
| Delinquency Rate | 0.58% | -0.38 pp |
| Return on Assets | 0.09% | -0.57 pp |
| Member Growth | -2.58% | - |
| Loan-to-Share Ratio | 45.81% | -16.79 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - Empire One
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $77.0M | - |
| 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
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Empire One.
| Office | City |
|---|---|
| Main Office (Main Office) | Cheektowaga, NY |
| Vital Records | Cheektowaga, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Other-state peers near Empire One
Cross-state asset and health neighbours for Empire One - kept outside New York; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($77.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (77/100 here).
Using this data
- Empire One ranks #3,110 of 4,374 nationally on financial health and #177 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Greater Metro is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Greater Metro
- Rates and health both vary by institution, not just by state -- see how New York credit unions compare overall before assuming this one is typical. New York state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Empire One financially healthy?
A 10.90% 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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,110 of 4,374; by total assets it ranks #2,042 of 4,374 nationally (same basis as /rankings/largest); and #104 of 272 within New York. 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 10.90% 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.
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.