TellerScore

Empirt 207 Federal Credit Union (NCUA charter #1343) is based in New York, New York. Its Q2 2026 call report shows $3.6M in total assets and $2.5M in member shares and deposits and 3 offices.

Empirt 207 Federal Credit Union has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 2,479 credit unions with under $100 million in assets. Among 268 credit unions headquartered in New York, it ranks 213th. Capital cushion contributes the most (100/100, 30.28%); loan quality contributes the least (0/100, 3.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 30.28%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.22%
Earnings39/100
Return on assets (annualized): 0.48%
Funding & liquidity77/100
Loans ÷ shares: 83.7% · 0.0% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.87%

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

From Q2 2025 to Q2 2026, the score fell 7 points (65 → 58), mostly because the loan quality component weakened by 33 points.

TellerScore
516783Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202453
Q4 202451
Q1 202583
Q2 202565
Q3 202562
Q4 202568
Q1 202666
Q2 202658
Net worth ratio
7.00%18.92%30.84%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202429.61%
Q3 202430.84%
Q4 202429.87%
Q1 202529.93%
Q2 202529.23%
Q3 202528.79%
Q4 202529.45%
Q1 202628.91%
Q2 202630.28%
Delinquent loans (60+ days)
0.00%3.26%6.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.82%
Q3 20242.87%
Q4 20246.51%
Q1 20250.00%
Q2 20252.00%
Q3 20252.39%
Q4 20251.72%
Q1 20262.38%
Q2 20263.22%
Return on assets
-1.51%-0.40%0.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-1.51%
Q3 2024-1.31%
Q4 2024-1.00%
Q1 20250.21%
Q2 20250.11%
Q3 20250.24%
Q4 20250.33%
Q1 20260.71%
Q2 20260.48%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$3.6M30.28%3.22%0.48%83.7%
Q1 202666$3.7M28.91%2.38%0.71%81.0%
Q4 202568$3.6M29.45%1.72%0.33%83.9%
Q3 202562$3.7M28.79%2.39%0.24%77.7%
Q2 202565$3.6M29.23%2.00%0.11%79.6%
Q1 202583$3.5M29.93%0.00%0.21%76.0%
Q4 202451$3.5M29.87%6.51%-1.00%75.5%
Q3 202453$3.4M30.84%2.87%-1.31%74.4%
Q2 202463$3.6M29.61%1.82%-1.51%66.5%

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 ratio30.28%
94th
Problem loans3.22%
12th
Net charge-offs1.19%
11th
Return on assets0.48%
41st
Loans to deposits83.7%
16th
Uninsured deposits0.0%
81st
Loan-loss reserves2.58%
92nd
Texas ratio5.9%
24th

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Upstate Telco Federal Credit UnionCredit union Gloversville, NY84 out of 100, Strong$4.3M16.1%0.28%vs
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Long Beach Teachers Federal Credit UnionCredit union Long Beach, NY86 out of 100, Very strong$2.8M24.1%0.00%vs
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Deposit insurance

Is my money safe at Empirt 207 Federal Credit Union?

Yes. Empirt 207 Federal Credit Union is a federally insured credit union (NCUA charter #1343). 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 0.0% of shares and deposits ($0) 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 30.28%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Empirt 207 Federal Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Empirt 207 Federal Credit Union
Type
Federal credit union
NCUA charter #
1343
RSSD ID
362070
Primary regulator
NCUA
Established
1936
Headquarters
3961 10th Ave, Rm. 234, New York, NY 10034
Employees
4

Quick answers

Empirt 207 Federal Credit Union: common questions

Is Empirt 207 Federal Credit Union NCUA insured?

Yes. Empirt 207 Federal Credit Union is a federally insured credit union (NCUA charter #1343). 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 Empirt 207 Federal Credit Union's TellerScore?

58 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 Empirt 207 Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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