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
Call Report peers
EMPOWER in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); EMPOWER sits in 90-94 with 747 others.
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 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).
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.
- One place up in New York, Jamestown Area Community (#32) ties at 93/100; one place down, Southern Baptist Church of New York (#34) scores 92/100, 1 point lower.
EMPOWER: 2025Q4 → 2026Q1
EMPOWER: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.5% from $4.17B (2025Q4) to $4.27B (2026Q1).
- Net-worth ratio shifted -0.04 pp (9.65% → 9.61%).
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
EMPOWER gives up 7 points in total. Delinquency Rate costs the most, 5 of its 25; Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is EMPOWER financially healthy?
EMPOWER has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #693 of 4,374 nationally on health and #33 of 272 in New York. Its net worth ratio is 9.61% and its delinquency rate 1.00%.
How does EMPOWER compare to other credit unions?
EMPOWER scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (92.83% vs 83.90%). Its widest shortfall is net worth ratio (9.61% vs 11.18%).
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?
EMPOWER 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. EMPOWER's net worth ratio of 9.61% 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.