Credit Union Safety Analysis
Is Empirt 207 Federal Credit Union Safe? New York, New York
Based on its Q2 2026 NCUA 5300 call report, Empirt 207 Federal Credit Union has a net worth ratio of 30.28%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 3.22%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Empirt 207 Federal Credit Union's net worth ratio is 30.28%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 30.28%
- Delinquency ratio (60+ days) (Q2 2026): 3.22%
- Return on assets (Q2 2026): 0.23%
- Loan-to-share ratio (Q2 2026): 83.66%
Empirt 207 Federal Credit Union (NCUA charter 1343, established 1936) reported $3.6M in assets and 808 members for Q2 2026 from New York, New York. It ranks 232 of 267 credit unions in New York by total assets. Total assets grew 0.2% from $3.6M on June 30, 2025. It has 11 more members than on June 30, 2025 (+1.4%). Its net worth ratio was up 1.05 percentage points from 29.23% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $2.1M of $2.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.22% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 28.91% for Q1 2026; 29.23% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 2.38% for Q1 2026; 2.00% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.71% for Q1 2026; 0.00% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 80.99% for Q1 2026; 79.63% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $2.1M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $3.6M | 30.28% | 3.22% | 0.23% | 83.66% |
| March 31, 2026 | $3.7M | 28.91% | 2.38% | 0.71% | 80.99% |
| December 31, 2025 | $3.6M | 29.45% | 1.72% | 0.62% | 83.91% |
| September 30, 2025 | $3.7M | 28.79% | 2.39% | 0.50% | 77.74% |
| June 30, 2025 | $3.6M | 29.23% | 2.00% | 0.00% | 79.63% |
| March 31, 2025 | $3.5M | 29.93% | — | 0.21% | 76.01% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Empirt 207 Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 1343) · FFIEC NIC profile (RSSD 362070)
Frequently asked questions
Is Empirt 207 Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Empirt 207 Federal Credit Union's net worth ratio is 30.28%, above the 7% NCUA threshold for well capitalized.
Is Empirt 207 Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Empirt 207 Federal Credit Union is a federally insured credit union (NCUA charter 1343): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Empirt 207 Federal Credit Union's key safety ratios?
For Q2 2026, Empirt 207 Federal Credit Union reports net worth 30.28%, delinquency 3.22%, ROA 0.23%, loan-to-share 83.66%.
What happens to my money if Empirt 207 Federal Credit Union fails?
For Q2 2026, Empirt 207 Federal Credit Union held $2.5M in shares and deposits for 808 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.