Empower Federal Credit Union Syracuse, New York
Empower Federal Credit Union is a federal credit union headquartered in Syracuse, NY, established in 1939 (NCUA charter 3025), and it is regulated and insured by the NCUA. At Q2 2026 it reported 310,884 members and total assets of $4.34B (up 5.6% from Q2 2025), the 10th largest of 267 credit unions headquartered in New York. Its net worth ratio was 9.67% at Q2 2026, in the well capitalized band.
Trade name filed with the NCUA: Empower FCU
BankRegReports is independent of Empower 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
- 3025
- Headquarters
- Syracuse, NY
- Established
- 1939
- Total assets, Q2 2026
- $4.34B
- Assets vs Q2 2025
- +5.6%
- Members, Q2 2026
- 310,884
- Net worth ratio, Q2 2026
- 9.67%
- Latest call report
- Q2 2026, NCUA 5300 · Empower Federal Credit Union call report
- Asset rank in state
- 10th of 267 in New York
- Routing number
- 221380127
- Branches
- 26
It has 17,491 more members than on June 30, 2025 (+6.0%). Its net worth ratio was up 0.24 percentage points from 9.43% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.84B of $3.57B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.05% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 9.67% net worth ratio is below that band's 10.89% median.
Credit unions merged into Empower Federal Credit Union
Horizons Federal Credit Union (2021) · Focal Point Federal Credit Union (2016)
Frequently asked about Empower Federal Credit Union
How big is Empower Federal Credit Union?
At Q2 2026 it reported total assets of $4.34B and 310,884 members.
Where is Empower Federal Credit Union headquartered?
It is headquartered in Syracuse, NY, United States.
When was Empower Federal Credit Union founded?
It was established in 1939, per NCUA records.
Is Empower Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 3025): 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 Empower Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Empower Federal Credit Union well capitalized?
Its net worth ratio was 9.67% 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 Empower Federal Credit Union's delinquency ratio?
Its delinquency ratio was 1.05% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Empower Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 91.89% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Syracuse, NY 13212
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1939
- NCUA Charter #
- 3025
- RSSD ID
- 793076
- Members
- 310,884
- Potential members
- 1,754,824
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 9.67% | 10.89% | 23rd bottom |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.83% | 0.89% | 45th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 8.56% | 8.07% | 54th above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.81% | 3.45% | 76th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 66.11% | 70.59% | 65th above |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.99% | 1.68% | 25th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.05% | 0.68% | 25th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.81% | 5.12% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 91.89% | 88.03% | 63rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.34B total assets against $4.11B; $3.88B total shares and deposits against $3.70B; $3.57B total loans against $3.32B.
$419.4M net worth against $387.5M.
9.67% net worth ratio against 9.43%.
91.89% loan-to-share ratio against 89.56%.
1.05% delinquency ratio against 0.62%.
0.83% return on assets against 0.79%; 8.56% return on equity against 8.40%.
3.81% net interest margin against 3.54%.
310,884 members against 293,393.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 9.67% | 0.83% | 1.05% | 91.89% |
| March 31, 2026 | 9.61% | 0.77% | 0.86% | 89.47% |
| December 31, 2025 | 9.65% | 0.79% | 1.00% | 92.83% |
| September 30, 2025 | 9.72% | 0.86% | 0.78% | 94.10% |
| June 30, 2025 | 9.43% | 0.79% | 0.62% | 89.56% |
| March 31, 2025 | 9.44% | 0.80% | 0.51% | 86.75% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
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.