EMPIRE ONE
Cheektowaga, NY · Federal Credit Union · Chartered in NY
Who can join
Employer / occupational group
Members
4,918
Net Worth Ratio
10.90%
min. 7% = Well Capitalized
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
At a Glance
Total Assets
$77.0M
Peer Group 4
Members
4,918
as of latest quarter
Net Worth Ratio
10.90%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
Total Assets
$77.0M
Total Shares
$68.0M
Total Loans
$30.4M
Net Income
$-108,417
Net Worth Ratio
10.90%
≥7% = Well Capitalized
Members
4,918
Return on Assets
-0.14%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.35%
$107K
Loan-to-share ratio: 44.6%· healthy range 60–80%
Branch Locations
NCUAMain Office
2345 William St, Cheektowaga, NY, 14206
Monday & Wednesday 9 am-4 pm Tuesday Closed Thursday & Friday 9 am-5 pm Saturday 8:30am -12:00pm
Vital Records
2345 William St, Cheektowaga, NY, 14206
m-th 8:30-4:30f 9:00-5:30
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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<a href="https://bankscorer.com/credit-union/empire-one" target="_blank" rel="noopener">View EMPIRE ONE on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.