Empower

Syracuse, NY · 1 · Charter #3025 · www.empowerfcu.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$4.2B
78th percentile
Members
303,010
88th percentile
Total loans
$3.5B
83th percentile
Total shares
$3.3B
77th percentile

Profitability

Return on assets
1.57%
85th percentile
Net interest margin
3.59%
75th percentile
Efficiency ratio
48.38%
65th percentile
Non-interest income ratio
19.88%
60th percentile

Capital & Risk

Net worth ratio
9.65%
23th percentile
Delinquency rate
1.00%
28th percentile
Net charge-off rate
0.50%
49th percentile
Loan-to-share
103.95%
88th percentile

Growth

Member growth YoY
7.60%
90th percentile
Asset growth YoY
8.69%
73th percentile
Loan growth YoY
13.12%
88th percentile
Share growth YoY
8.49%
73th percentile

Operations

Members / branch
12,625
87th percentile
Assets / member
$13,759
13th percentile
Field of membership penetration
17.30%
79th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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