State credit union · TOPEKA, Kansas · NCUA charter #60295
Empower Blue
Health score 84/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $53.7M
- Total assets
- 3,489
- Members
- 18.2%
- Net-worth ratio
Empower Blue - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #60295 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Empower Blue - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)84
- Earnings (ROA)100
- Member growth24
- Liquidity (loan-to-share)93
Weighted composite: 84/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 18.21% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 18.21% | 30% |
| Delinquency Rate | 0.89% | 25% |
| Return on Assets | 0.78% | 15% |
| Member Growth | -3.03% | 15% |
| Loan-to-Share Ratio | 65.05% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $53.7M | 3,489 |
| 2024Q4 | $53.5M | 3,598 |
| 2023Q4 | $52.3M | 3,557 |
Credit Union Details
- Charter Number
- 60295
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Kansas
- City
- TOPEKA
- Data Quarter
- 2025Q4
What This Data Says About Empower Blue
3,489 members and $53.7M in total assets sit behind Empower Blue, a state credit union in TOPEKA, Kansas, which posts a health score of 84/100 (Excellent) on the five-factor composite, with $28.8M in outstanding loans as of Q4 2025 and a net worth ratio of 18.21% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #60295 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.89% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. The loan-to-share ratio of 65.05% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.78% on net income of $420K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.03%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Kansas
A look at other Kansas credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Empower Blue financially healthy?
Empower Blue scores 84/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 18.21% net worth ratio and a 0.89% delinquency rate.
How does Empower Blue compare to other credit unions?
Empower Blue scores 84/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 Empower Blue?
Membership eligibility for Empower Blue depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Empower Blue directly for current membership requirements and application steps.
Is my money safe at Empower Blue?
Federal credit unions like Empower Blue 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 Blue's net worth ratio of 18.21% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Empower Blue offer compared to banks?
Credit unions like Empower Blue 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 Blue directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.