EMPIRE ONE
Federal • West Seneca, New York • Est. 1935
Quick Facts
- Charter Number
- #613
- Type
- Federal
- Established
- 1935
- Headquarters
- West Seneca, New York 14224
- Address
- 3020 Orchard Park Rd
- Branches
- 2
- ATMs
- 2
- Members
- 4,985
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
4,985 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | EMPIRE ONE |
|---|---|
| Total Assets | $77.4M |
| Members | 4,985 |
| Loans Outstanding | $31.2M |
| Shares & Deposits | $68.1M |
| Net Worth | $8.5M |
| Net Worth Ratio | 10.99% |
| Loan-to-Share Ratio | 45.8% |
| Delinquency Rate | 0.58% |
| Net Income | +$445,058 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View New York RankingsFrequently Asked Questions
Yes. EMPIRE ONE is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, EMPIRE ONE has 4,985 members and a potential membership field of 947,833 people.
EMPIRE ONE's net worth ratio is 10.99% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.0%, EMPIRE ONE meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or EMPIRE ONE. All financial data is for informational purposes only.