Federal credit union · Syracuse, New York · NCUA charter #3025
EMPOWER
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $4.17B
- Total assets
- 303,010
- Members
- 9.6%
- Net-worth ratio
EMPOWER scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.17B; members 303,010; net-worth ratio 9.61%; health rank #693 of 4,374; healthier than 84th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#693 of 4,374 health · 2025Q4EMPOWER · health 93/100 · $4.17B · 2025Q4
- BOOK 93/100
- CHARTER 9.6%
- NCUSIF 1.00%
- CAMELS 0.91%
- HEALTH $4.17B
- NW 303,010
- DELQ #693/4,374
- ROA UNIVERSITY
- ASSETS 3025
Call Report peers
EMPOWER in the assets neighbourhood
EMPOWER's $4.17B assets sit next to UNIVERSITY ($4.20B) 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.
EMPOWER 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
93 Top 16% higher than 84% 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
EMPOWER - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #3025, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
EMPOWER vs Over $500M peers
- Largest favorable gap: Loan-to-Share Ratio at 92.83% vs peer 83.90% (+8.93 pp).
- Net Worth Ratio trails the peer set - 9.61% here, 11.18% peer average (-1.57 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
EMPOWER in New York
- New York health ordinal: #33 of 272.
- New York assets place: #10 of 272.
- New York membership ordinal: #7 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.
EMPOWER: 2025Q4 → 2026Q1
EMPOWER: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.5% from $4.17B (2025Q4) to $4.27B (2026Q1).
- Net-worth ratio shifted -0.04 pp (9.65% → 9.61%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.61% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 29.0 pts
- Delinquency Rate 20.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.0 pts
Call Report ratios for EMPOWER
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.61% | -1.57 pp |
| Delinquency Rate | 1.00% | +0.13 pp |
| Return on Assets | 0.91% | +0.41 pp |
| Member Growth | 7.60% | - |
| Loan-to-Share Ratio | 92.83% | +8.93 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - EMPOWER
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.27B | - |
| 2025Q4 | $4.17B | 303,010 |
| 2024Q4 | $3.84B | 281,598 |
| 2023Q4 | $3.50B | 261,414 |
Credit Union Details
- Charter Number
- 3025
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- New York
- City
- Syracuse
- Data Quarter
- 2025Q4
Branch Locations (25)
EMPOWER operates 25 offices across 19 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Headquarters (Main Office) | Syracuse, NY |
| Auburn | Auburn, NY |
| Baldwinsville | Baldwinsville, NY |
| Binghamton | Binghamton, NY |
| Canandaigua | Canandaigua, NY |
| Central Square | Central Square, NY |
| Cheektowaga | Cheektowaga, NY |
| Chittenango | Chittenango, NY |
| Cicero | Cicero, NY |
| East Syracuse | East Syracuse, NY |
| Elmira | Elmira, NY |
| Fayetteville | Fayetteville, NY |
| Fulton East | Fulton, NY |
| Johnson City | Johnson City, NY |
| Liverpool | Liverpool, NY |
| North Medical | Liverpool, NY |
| Oswego | Oswego, NY |
| Palatine Bridge | Palatine Bridge, NY |
| Fairmount | Syracuse, NY |
| 515 Erie Blvd | Syracuse, NY |
| GreenHills | Syracuse, NY |
| Western Lights | Syracuse, NY |
| VA Medical Center | Syracuse, NY |
| Utica | Utica, NY |
| Vestal | Vestal, 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.
EMPOWER nationwide neighbourhoods
Two NCUA Call Report peer sets for EMPOWER, both outside New York so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($4.17B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- EMPOWER ranks #693 of 4,374 nationally on financial health and #33 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Jovia Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Jovia Financial
- 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 EMPOWER financially healthy?
A 9.61% net worth ratio and a 1.00% delinquency rate feed into EMPOWER's financial health score of 93/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #693 of 4,374; by total assets it ranks #121 of 4,374 nationally (same basis as /rankings/largest); and #10 of 272 within New York. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does EMPOWER compare to other credit unions?
PlainCU's health composite puts EMPOWER at 93/100, compared to a peer group average for Over $500M 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 EMPOWER?
EMPOWER 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 EMPOWER directly for the exact boundaries and application steps.
Is my money safe at EMPOWER?
Federal credit unions like EMPOWER 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. EMPOWER's net worth ratio of 9.61% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does EMPOWER offer compared to banks?
Credit unions like EMPOWER 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 EMPOWER 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.