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
Call Report peers
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Empirt 207 vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Empirt 207 sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in New York, Local 804 (#203) ties at 71/100; one place down, Buffalo Metropolitan (#205) ties at 71/100.
Empirt 207: 2025Q4 → 2026Q1
Empirt 207: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $3.6M (2025Q4) to $3.7M (2026Q1).
- Net-worth ratio shifted -0.54 pp (29.45% → 28.91%).
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
Empirt 207 gives up 29 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Empirt 207 financially healthy?
Empirt 207 has a financial health score of 71/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,504 of 4,374 nationally on health and #204 of 272 in New York. Its net worth ratio is 28.91% and its delinquency rate 1.72%.
How does Empirt 207 compare to other credit unions?
Empirt 207 scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (83.91% vs 63.60%). Its widest shortfall is return on assets (-0.97% vs 0.45%).
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?
Empirt 207 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. Empirt 207's net worth ratio of 28.91% 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.