Empire One

West Seneca, NY · 1 · Charter #613 · www.empireonefcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$77.4M
29th percentile
Members
4,985
24th percentile
Total loans
$31.2M
16th percentile
Total shares
$68.1M
31th percentile

Profitability

Return on assets
0.58%
21th percentile
Net interest margin
2.98%
17th percentile
Efficiency ratio
86.18%
3th percentile
Non-interest income ratio
33.49%
96th percentile

Capital & Risk

Net worth ratio
10.99%
35th percentile
Delinquency rate
0.58%
59th percentile
Net charge-off rate
0.33%
50th percentile
Loan-to-share
45.81%
15th percentile

Growth

Member growth YoY
-2.58%
28th percentile
Asset growth YoY
0.72%
24th percentile
Loan growth YoY
1.26%
50th percentile
Share growth YoY
-0.64%
19th percentile

Operations

Members / branch
4,985
82th percentile
Assets / member
$15,519
59th percentile
Field of membership penetration
0.53%
6th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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