Federal credit union · new york, New York · NCUA charter #1343
Empirt 207
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $3.6M
- Total assets
- 801
- Members
- 28.9%
- Net-worth ratio
Empirt 207 scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.6M; members 801; net-worth ratio 28.91%; health rank #3,504 of 4,374; healthier than 18th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,504 of 4,374 health · 2025Q4Empirt 207 · health 71/100 · $3.6M · 2025Q4
- RANK 71/100
- PHOTO 28.9%
- BOOK 1.72%
- CHARTER -0.97%
- NCUSIF $3.6M
- CAMELS 801
- HEALTH #3,504/4,374
- NW n/a
- DELQ 1343
Call Report peers
Empirt 207 carries $3.6M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Empirt 207 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
71 18th percentile higher than 18% 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
Empirt 207 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #1343, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Empirt 207
- Strongest edge vs 566 $2M–$10M peers is Loan-to-Share Ratio: +20.31 pp (83.91% vs 63.60%).
- Largest lag: Return on Assets at -0.97% vs peer 0.45% (-1.43 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New York standing for Empirt 207
- Health composite ranks #204 of 272 among scored New York credit unions.
- Assets rank #235 of 272 inside New York ($3.6M reported).
- New York membership ordinal: #222 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.
Empirt 207: 2025Q4 → 2026Q1
Empirt 207: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $3.6M (2025Q4) to $3.7M (2026Q1).
- Net-worth ratio shifted -0.54 pp (29.45% → 28.91%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
28.91% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 71/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 71.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 14.6 pts
- Return on Assets 0.0 pts
- Member Growth 11.9 pts
- Loan-to-Share Ratio 14.5 pts
Empirt 207 vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 28.91% | +9.85 pp |
| Delinquency Rate | 1.72% | -0.09 pp |
| Return on Assets | -0.97% | -1.43 pp |
| Member Growth | 2.43% | - |
| Loan-to-Share Ratio | 83.91% | +20.31 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Empirt 207 filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.7M | - |
| 2025Q4 | $3.6M | 801 |
| 2024Q4 | $3.5M | 782 |
| 2023Q4 | $3.7M | 739 |
Credit Union Details
- Charter Number
- 1343
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- New York
- City
- new york
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Empirt 207 runs 3 offices in 2 different cities.
| Office | City |
|---|---|
| empirt 207 f.c.u. (Main Office) | new york, NY |
| Disaster Recovery | New York, NY |
| Location of Records | New York, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
Empirt 207 nationwide neighbourhoods
Cross-state asset and health neighbours for Empirt 207 - kept outside New York; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (71/100 here).
Using this data
- Empirt 207 ranks #3,504 of 4,374 nationally on financial health and #204 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TROY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TROY
- 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 Empirt 207 financially healthy?
Empirt 207 has a financial health score of 71/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,504 of 4,374; by total assets it ranks #3,998 of 4,374 nationally (same basis as /rankings/largest); and #235 of 272 within New York. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 28.91% and delinquency rate of 1.72%.
How does Empirt 207 compare to other credit unions?
Empirt 207 scores 71/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Empirt 207?
Empirt 207 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 Empirt 207 directly for the exact boundaries and application steps.
Is my money safe at Empirt 207?
Federal credit unions like Empirt 207 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. Empirt 207's net worth ratio of 28.91% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Empirt 207 offer compared to banks?
Credit unions like Empirt 207 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 Empirt 207 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.