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.
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NCUA 5300 Call Report Masthead
#3,110 of 4,374 health · 2025Q4Empire One · health 77/100 · $77.4M · 2025Q4
Call Report peers
Empire One in the assets neighbourhood
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Empire One vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Empire One sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in New York, CONCORD (#176) ties at 77/100; one place down, NIAGARA-WHEATFIELD (#178) ties at 77/100.
Empire One Call Report trajectory
Empire One: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.5% from $77.4M (2025Q4) to $77.0M (2026Q1).
- Net-worth ratio shifted -0.09 pp (10.99% → 10.90%).
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
Empire One gives up 23 points in total. Member Growth costs the most, 10.6 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Empire One financially healthy?
On its 2025Q4 NCUA 5300 filing, Empire One scores 77/100 (Very Good), with a 10.90% net worth ratio and 0.58% of loans delinquent. It ranks #3,110 of 4,374 nationally on health and #177 of 272 in New York.
How does Empire One compare to other credit unions?
Empire One scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.58% vs 0.96%). Its widest shortfall is loan-to-share ratio (45.81% vs 62.60%).
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?
Empire One is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.