Empire One Federal Credit Union West Seneca, New York
Empire One Federal Credit Union is a federal credit union headquartered in West Seneca, NY, established in 1935 (NCUA charter 613), and it is regulated and insured by the NCUA. At Q2 2026 it reported 4,849 members and total assets of $76.0M (down 1.4% from Q2 2025), the 106th largest of 267 credit unions headquartered in New York. Its net worth ratio was 10.11% at Q2 2026, in the well capitalized band.
Also written as Empire One FCU
BankRegReports is independent of Empire One Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 613
- Headquarters
- West Seneca, NY
- Established
- 1935
- Total assets, Q2 2026
- $76.0M
- Assets vs Q2 2025
- -1.4%
- Members, Q2 2026
- 4,849
- Net worth ratio, Q2 2026
- 10.11%
- Latest call report
- Q2 2026, NCUA 5300 · Empire One Federal Credit Union call report
- Asset rank in state
- 106th of 267 in New York
- Routing number
- 222079466
- Branches
- 2
It has 236 fewer members than on June 30, 2025 (-4.6%). Its net worth ratio was down 0.39 percentage points from 10.50% on June 30, 2025. Used vehicle loans are its largest loan category, $11.4M of $29.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.32% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 10.11% net worth ratio is below that band's 14.31% median.
Credit unions similar in size in New York
Frequently asked about Empire One Federal Credit Union
How big is Empire One Federal Credit Union?
At Q2 2026 it reported total assets of $76.0M and 4,849 members.
Where is Empire One Federal Credit Union headquartered?
It is headquartered in West Seneca, NY, United States.
When was Empire One Federal Credit Union founded?
It was established in 1935, per NCUA records.
Is Empire One Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 613): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Empire One Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Empire One Federal Credit Union well capitalized?
Its net worth ratio was 10.11% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Empire One Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.32% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Empire One Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 43.79% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- West Seneca, NY 14224
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1935
- NCUA Charter #
- 613
- RSSD ID
- 939276
- Members
- 4,849
- Potential members
- 946,741
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 10.11% | 14.31% | 17th bottom |
| Return on assets Middle half of peers: 0.16% to 1.30% | -2.70% | 0.72% | under 10th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -26.68% | 4.74% | under 10th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.35% | 3.93% | 26th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 165.79% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.05% | 0.78% | over 90th top |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.32% | 0.86% | 77th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.40% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 43.79% | 58.92% | 27th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$76.0M total assets against $77.1M; $67.6M total shares and deposits against $69.0M; $29.6M total loans against $32.3M.
$7.7M net worth against $8.1M.
10.11% net worth ratio against 10.50%.
43.79% loan-to-share ratio against 46.78%.
0.32% delinquency ratio against 0.51%.
-2.70% return on assets against -0.08%; -26.68% return on equity against -0.81%.
3.35% net interest margin against 2.84%.
4,849 members against 5,085.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.11% | -2.70% | 0.32% | 43.79% |
| March 31, 2026 | 10.90% | -0.56% | 0.38% | 44.64% |
| December 31, 2025 | 10.99% | -0.85% | 0.58% | 45.81% |
| September 30, 2025 | 11.15% | 2.96% | 0.55% | 46.61% |
| June 30, 2025 | 10.50% | -0.08% | 0.51% | 46.78% |
| March 31, 2025 | 10.64% | -0.64% | 0.56% | 45.58% |
Scroll sideways to see every column.
Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.