TellerScore

Empower Blue Credit Union (NCUA charter #60295) is based in Topeka, Kansas. Its Q2 2026 call report shows $55.1M in total assets and $45.6M in member shares and deposits and 3 offices.

Based on its Q2 2026 filing, Empower Blue Credit Union scores 88/100, which we describe as very strong. That is higher than 85% of 2,479 credit unions with under $100 million in assets. Among 62 credit unions headquartered in Kansas, it ranks 10th. Its strongest component is capital cushion (100/100; 18.09%), and its lowest is earnings (47/100; 0.68%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.09%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.10%
Earnings47/100
Return on assets (annualized): 0.68%
Funding & liquidity98/100
Loans ÷ shares: 61.8% · 7.6% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.29%

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 rose 6 points (82 → 88), mostly because the loan quality component improved by 26 points.

TellerScore
808488Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202487
Q3 202488
Q4 202488
Q1 202588
Q2 202582
Q3 202583
Q4 202580
Q1 202687
Q2 202688
Net worth ratio
7.00%12.65%18.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.49%
Q3 202417.71%
Q4 202417.62%
Q1 202517.07%
Q2 202517.60%
Q3 202518.30%
Q4 202518.21%
Q1 202617.61%
Q2 202618.09%
Delinquent loans (60+ days)
0.02%0.45%0.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.26%
Q3 20240.19%
Q4 20240.14%
Q1 20250.02%
Q2 20250.86%
Q3 20250.76%
Q4 20250.89%
Q1 20260.20%
Q2 20260.10%
Return on assets
0.63%0.73%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.82%
Q3 20240.83%
Q4 20240.79%
Q1 20250.63%
Q2 20250.81%
Q3 20250.81%
Q4 20250.66%
Q1 20260.68%
Q2 20260.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$55.1M18.09%0.10%0.68%61.8%
Q1 202687$56.0M17.61%0.20%0.68%60.8%
Q4 202580$53.7M18.21%0.89%0.66%65.0%
Q3 202583$53.2M18.30%0.76%0.81%66.8%
Q2 202582$54.8M17.60%0.86%0.81%66.5%
Q1 202588$55.7M17.07%0.02%0.63%65.7%
Q4 202488$53.5M17.62%0.14%0.79%69.1%
Q3 202488$52.7M17.71%0.19%0.83%69.8%
Q2 202487$52.7M17.49%0.26%0.82%67.4%

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 ratio18.09%
70th
Problem loans0.10%
80th
Net charge-offs0.12%
55th
Return on assets0.68%
52nd
Loans to deposits61.8%
46th
Uninsured deposits7.6%
11th
Loan-loss reserves0.00%
37th
Texas ratio0.3%
79th

Similar-size credit unions in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
United Northwest Federal Credit UnionCredit union Norton, KS87 out of 100, Very strong$54.5M15.9%0.35%vs
Ark Valley Credit UnionCredit union Arkansas City, KS94 out of 100, Very strong$57.3M15.2%0.19%vs
Panhandle Federal Credit UnionCredit union Wellington, KS80 out of 100, Strong$62.5M16.5%0.24%vs
McPherson Co-Op Credit UnionCredit union McPherson, KS69 out of 100, Moderate$44.0M9.7%0.11%vs
B&v Credit UnionCredit union Overland Park, KS88 out of 100, Very strong$42.6M18.9%0.84%vs
Credit Union of EmporiaCredit union Emporia, KS90 out of 100, Very strong$42.1M15.3%0.56%vs

Deposit insurance

Is my money safe at Empower Blue Credit Union?

Yes. Empower Blue Credit Union is a federally insured credit union (NCUA charter #60295). 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 7.6% of shares and deposits ($3.5M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 18.09%, 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

Empower Blue Credit Union lists 3 offices in 1 city. Most locations:

All branch addresses and map

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
VISA Credit Card4.00% – 18.00%$0$102.0%

All Empower Blue Credit Union card terms

Identity & history

Profile

Legal name
Empower Blue Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60295
RSSD ID
53499
Primary regulator
State + NCUA
Established
1953
Headquarters
Po Box 1975, Topeka, KS 66601
Employees
11

Quick answers

Empower Blue Credit Union: common questions

Is Empower Blue Credit Union NCUA insured?

Yes. Empower Blue Credit Union is a federally insured credit union (NCUA charter #60295). 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 Empower Blue Credit Union's TellerScore?

88 out of 100 (Very strong), 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 Empower Blue Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Topeka

InstitutionScoreAssetsCapitalProblem loansCompare
Topeka Firemen'S Credit UnionCredit union Topeka, KS92 out of 100, Very strong$11.7M25.8%0.03%vs
Topeka Police Credit UnionCredit union Topeka, KS88 out of 100, Very strong$6.3M15.7%0.05%vs
The Denison State BankBank Holton, KS87 out of 100, Very strong$453.6M17.5%1.08%vs
1st Kansas Credit UnionCredit union Topeka, KS86 out of 100, Very strong$12.2M19.9%0.41%vs
Kaw Valley State Bank and Trust CompanyBank Wamego, KS85 out of 100, Very strong$295.8M11.7%0.08%vs
Community BankBank Topeka, KS83 out of 100, Strong$188.8M11.5%0.22%vs