EMPOWER
Federal • Syracuse, New York • Est. 1939
Quick Facts
- Charter Number
- #3025
- Type
- Federal
- Established
- 1939
- Headquarters
- Syracuse, New York 13218-1127
- Address
- PO Box 11127
- Branches
- 25
- ATMs
- 24
- Members
- 303,010
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
303,010 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | EMPOWER |
|---|---|
| Total Assets | $4.2B |
| Members | 303,010 |
| Loans Outstanding | $3.5B |
| Shares & Deposits | $3.7B |
| Net Worth | $402.2M |
| Net Worth Ratio | 9.65% |
| Loan-to-Share Ratio | 92.8% |
| Delinquency Rate | 1.00% |
| Net Income | +$65,957,447 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
25 locations · 24 ATMs
Baldwinsville
15 E Genesee St
Baldwinsville, NY 13027-2534
Fairmount
3700 W Genesee St
Syracuse, NY 13219
Cheektowaga
2690 Walden Ave
Cheektowaga, NY 14225-4720
Fulton East
520 S 2nd St
Fulton, NY 13069-2902
Johnson City
760 Harry L Dr
Johnson City, NY 13790-1036
Who Can Join EMPOWER?
Membership Type: Community
Membership eligibility for EMPOWER may vary. Contact the credit union directly to confirm qualification requirements.
Contact EMPOWER 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. EMPOWER 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, EMPOWER has 303,010 members and a potential membership field of 1,751,455 people.
EMPOWER's net worth ratio is 9.65% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.7%, EMPOWER meets this threshold.
EMPOWER operates 25 branch locations and has access to 24 ATMs. The main office is located at 1 Member Way, Syracuse, NY 13212.
EMPOWER was established in 1939. It is a federal credit union chartered under charter number 3025. The institution has been serving members for 87 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or EMPOWER. All financial data is for informational purposes only.