TellerScore

Empire One Federal Credit Union (NCUA charter #613) is based in Cheektowaga, New York. Its Q2 2026 call report shows $76.0M in total assets and $67.6M in member shares and deposits and 1 office.

Based on its Q2 2026 filing, Empire One Federal Credit Union scores 62/100, which we describe as moderate. That is higher than only 24% of 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 193rd. Its strongest component is funding & liquidity (100/100; 44% loans-to-deposits, 1% uninsured), and its lowest is earnings (0/100; -1.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Net worth ratio: 10.11%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.32%
Earnings0/100
Return on assets (annualized): -1.63%
Funding & liquidity100/100
Loans ÷ shares: 43.8% · 1.2% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.23%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (63 → 62).

TellerScore
626874Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202472
Q4 202469
Q1 202562
Q2 202563
Q3 202574
Q4 202570
Q1 202664
Q2 202662
Net worth ratio
7.00%9.07%11.15%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.78%
Q3 202410.89%
Q4 202410.92%
Q1 202510.64%
Q2 202510.50%
Q3 202511.15%
Q4 202510.99%
Q1 202610.90%
Q2 202610.11%
Delinquent loans (60+ days)
0.12%0.35%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.12%
Q3 20240.19%
Q4 20240.40%
Q1 20250.56%
Q2 20250.51%
Q3 20250.55%
Q4 20250.58%
Q1 20260.38%
Q2 20260.32%
Return on assets
-1.63%-0.44%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.17%
Q3 20240.20%
Q4 20240.09%
Q1 2025-0.64%
Q2 2025-0.37%
Q3 20250.75%
Q4 20250.35%
Q1 2026-0.56%
Q2 2026-1.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202662$76.0M10.11%0.32%-1.63%43.8%
Q1 202664$77.0M10.90%0.38%-0.56%44.6%
Q4 202570$77.4M10.99%0.58%0.35%45.8%
Q3 202574$77.7M11.15%0.55%0.75%46.6%
Q2 202563$77.1M10.50%0.51%-0.37%46.8%
Q1 202562$77.7M10.64%0.56%-0.64%45.6%
Q4 202469$76.8M10.92%0.40%0.09%44.9%
Q3 202472$77.5M10.89%0.19%0.20%44.7%
Q2 202472$77.8M10.78%0.12%0.17%44.3%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.11%
17th
Problem loans0.32%
67th
Net charge-offs0.14%
53rd
Return on assets-1.63%
5th
Loans to deposits43.8%
73rd
Uninsured deposits1.2%
52nd
Loan-loss reserves0.00%
37th
Texas ratio1.2%
62nd

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Deposit insurance

Is my money safe at Empire One Federal Credit Union?

Yes. Empire One Federal Credit Union is a federally insured credit union (NCUA charter #613). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 1.2% of shares and deposits ($805K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 10.11%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Empire One Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Empire One Federal Credit Union
Type
Federal credit union
NCUA charter #
613
RSSD ID
939276
Primary regulator
NCUA
Established
1935
Headquarters
2345 William St, Cheektowaga, NY 14206
Employees
12

Quick answers

Empire One Federal Credit Union: common questions

Is Empire One Federal Credit Union NCUA insured?

Yes. Empire One Federal Credit Union is a federally insured credit union (NCUA charter #613). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Empire One Federal Credit Union's TellerScore?

62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Empire One Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Cheektowaga

InstitutionScoreAssetsCapitalProblem loansCompare
Moog Employees Federal Credit UnionCredit union East Aurora, NY100 out of 100, Very strong$257.3M26.6%0.00%vs
Cambridge Municipal Employees Federal Credit UnionCredit union Cambridge, MA97 out of 100, Very strong$10.2M24.8%0.12%vs
Greater Woodlawn Federal Credit UnionCredit union Blasdell, NY96 out of 100, Very strong$168.4M23.9%0.12%vs
Town of Cheektowaga Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$38.1M17.2%0.00%vs
Crossroads Community Federal Credit UnionCredit union Cheektowaga, NY95 out of 100, Very strong$96.9M15.3%0.18%vs
Meridia Community Federal Credit UnionCredit union Hamburg, NY94 out of 100, Very strong$144.1M16.4%0.27%vs