C
Empire ONE Federal Credit Union
Rating Date
July 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Empire ONE Federal Credit Union
West Seneca, NY
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Rating C
Asset Quality Index 9.20
Capitalization Index 8.20
Liquidity Index 4.50
Profitability Index 0.90
Stability Index 4.50
Company Info Empire ONE Federal Credit Union
West Seneca, NY
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NCUA Charter Number 597
Phone Number (716) 854-2458
Website www.empireonefcu.org
Asset Quality Empire ONE Federal Credit Union
West Seneca, NY
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1-Year Asset Growth -1.01%
5-Year Asset Growth 1.23%
5-Year Charge-Offs to Average Loans 0.37%
Charge-Offs to Average Loans 1.13%
Non-Performing Assets to Assets 0.23%
Non-Performing Loans to Capital 2.18%
Non-Performing Loans to Loans 0.56%
Balance Sheet Empire ONE Federal Credit Union
West Seneca, NY
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Total Assets 77.68M
Total Deposits 69.08M
Capital and Reserves Empire ONE Federal Credit Union
West Seneca, NY
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Capital 8.00M
Leverage Ratio 10.64
Loan Loss Reserves to Loans 0.37%
Liquidity Empire ONE Federal Credit Union
West Seneca, NY
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Hot Money Ratio 0.00%
Liquidity Ratio 30.44%
Profitability Empire ONE Federal Credit Union
West Seneca, NY
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5-Year Return on Average Assets -0.05%
Net Income -125.00K
Net Interest Spread 3.43%
Operating Profit to Average Assets -0.23%
Overhead Efficiency Ratio 106.83%
Return on Assets -0.65%
Return on Equity -6.22%