TellerScore

Headquartered in Syracuse, New York, Empower Federal Credit Union is a federal credit union with $4.3B in total assets and $3.9B in member shares and deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1939.

Based on its Q2 2026 filing, Empower Federal Credit Union scores 59/100, which we describe as moderate. That is higher than only 22% of 454 credit unions with $1 billion – $10 billion. Among 268 credit unions headquartered in New York, it ranks 208th. Its strongest component is problem-loan coverage (82/100; 9.1%), and its lowest is capital cushion (47/100; 9.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Net worth ratio: 9.67%
Loan quality65/100
Loans 60+ days delinquent ÷ total loans: 1.05%
Earnings52/100
Return on assets (annualized): 0.79%
Funding & liquidity68/100
Loans ÷ shares: 91.9% · 8.3% uninsured
Problem-loan coverage82/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 9.11%

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 4 points (63 → 59), mostly because the loan quality component weakened by 14 points.

TellerScore
596468Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202467
Q4 202465
Q1 202565
Q2 202563
Q3 202562
Q4 202560
Q1 202661
Q2 202659
Net worth ratio
7.00%8.37%9.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.73%
Q3 20249.71%
Q4 20249.68%
Q1 20259.44%
Q2 20259.43%
Q3 20259.72%
Q4 20259.65%
Q1 20269.61%
Q2 20269.67%
Delinquent loans (60+ days)
0.51%0.78%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.56%
Q3 20240.60%
Q4 20240.72%
Q1 20250.51%
Q2 20250.62%
Q3 20250.78%
Q4 20251.00%
Q1 20260.86%
Q2 20261.05%
Return on assets
0.77%0.96%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.15%
Q3 20241.06%
Q4 20240.99%
Q1 20250.80%
Q2 20250.79%
Q3 20250.82%
Q4 20250.80%
Q1 20260.77%
Q2 20260.79%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202659$4.3B9.67%1.05%0.79%91.9%
Q1 202661$4.3B9.61%0.86%0.77%89.5%
Q4 202560$4.2B9.65%1.00%0.80%92.8%
Q3 202562$4.1B9.72%0.78%0.82%94.1%
Q2 202563$4.1B9.43%0.62%0.79%89.6%
Q1 202565$4.0B9.44%0.51%0.80%86.7%
Q4 202465$3.8B9.68%0.72%0.99%88.6%
Q3 202467$3.8B9.71%0.60%1.06%87.5%
Q2 202468$3.7B9.73%0.56%1.15%86.5%

454 peers · $1 billion – $10 billion

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 ratio9.67%
23rd
Problem loans1.05%
25th
Net charge-offs0.72%
29th
Return on assets0.79%
49th
Loans to deposits91.9%
38th
Uninsured deposits8.3%
58th
Loan-loss reserves0.00%
50th
Texas ratio9.1%
19th

Similar-size credit unions in New York

InstitutionScoreAssetsCapitalProblem loansCompare
Jovia Financial Federal Credit UnionCredit union Westbury, NY57 out of 100, Moderate$4.6B9.8%1.28%vs
Municipal Credit UnionCredit union New York, NY68 out of 100, Moderate$5.2B11.9%1.66%vs
Usalliance Federal Credit UnionCredit union Rye, NY53 out of 100, Below average$3.4B8.3%0.84%vs
Visions Federal Credit UnionCredit union Endicott, NY64 out of 100, Moderate$5.5B10.0%0.89%vs
Americu Credit UnionCredit union Rome, NY48 out of 100, Below average$3.0B9.6%1.89%vs
Corning Federal Credit UnionCredit union Corning, NY68 out of 100, Moderate$2.8B10.8%0.45%vs

Deposit insurance

Is my money safe at Empower Federal Credit Union?

Yes. Empower Federal Credit Union is a federally insured credit union (NCUA charter #3025). 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 8.3% of shares and deposits ($322.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.67%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

11 locations

Branches

Empower Federal Credit Union lists 11 offices in 10 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Empower Federal Credit Union reported 4,120 home-loan applications under HMDA (LEI 549300YKTME1U7Z0UN20): 3,131 originated ($402,585,000 total), 667 denied, and 245 withdrawn or closed by the applicant. Its denial rate on decided applications was 17.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Empower Federal Credit Union
Type
Federal credit union
NCUA charter #
3025
RSSD ID
793076
Primary regulator
NCUA
Established
1939
Headquarters
PO Box 11127, Syracuse, NY 13218
Employees
570

Quick answers

Empower Federal Credit Union: common questions

Is Empower Federal Credit Union NCUA insured?

Yes. Empower Federal Credit Union is a federally insured credit union (NCUA charter #3025). 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 Federal Credit Union's TellerScore?

59 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 Empower Federal Credit Union have?

11 offices as of the latest NCUA data.