EMPIRE ONE
Federal • Cheektowaga, New York • Est. 1935
Quick Facts
- Charter Number
- #613
- Type
- Federal
- Established
- 1935
- Headquarters
- Cheektowaga, New York 14206
- Address
- 2345 William St
- Branches
- 2
- ATMs
- 2
- Members
- 4,918
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
4,918 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | EMPIRE ONE |
|---|---|
| Total Assets | $77.0M |
| Members | 4,918 |
| Loans Outstanding | $30.4M |
| Shares & Deposits | $68.0M |
| Net Worth | $8.4M |
| Net Worth Ratio | 10.90% |
| Loan-to-Share Ratio | 44.6% |
| Delinquency Rate | 0.38% |
| Net Income | $-108,417 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
2 locations · 2 ATMs
Vital Records
2345 William St
Cheektowaga, NY 14206
Main Office
Main Office2345 William St
Cheektowaga, NY 14206
Who Can Join EMPIRE ONE?
Membership Type: Other/Unknown
Membership eligibility for EMPIRE ONE may vary. Contact the credit union directly to confirm qualification requirements.
Contact EMPIRE ONE directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in New York
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View New York RankingsFrequently Asked Questions
EMPIRE ONE is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, EMPIRE ONE has 4,918 members and a potential membership field of 943,763 people.
EMPIRE ONE's reported net worth ratio is 10.90% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
EMPIRE ONE operates 2 branch locations and has access to 2 ATMs. The main office is located at 2345 William St, Cheektowaga, NY 14206.
EMPIRE ONE was established in 1935. It is a federal credit union chartered under charter number 613. The institution has been serving members for 91 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or EMPIRE ONE. All financial data is for informational purposes only.