Empower
Syracuse, NY · Charter 3025 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 25 branches
Q2 2026
$4.3BAssets
$3.6BLoans
$3.9BShares
$419.4MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 70% of credit unions $1B-$10B in assets (rank 133 of 435).
- Widest gap: equity / assets trails 78% of credit unions $1B-$10B in assets (rank 338 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.79%
Rank 225 of 435
Net Interest Margin
3.65%
Rank 137 of 435
Efficiency Ratio
66.63%
Rank 133 of 435
Equity / Assets
9.67%
Rank 338 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.79% | 0.55% | 0.81% | 1.14% | Beats 48% | 225 / 435 | |
| Return on Equity | 8.22% | 5.12% | 7.41% | 9.70% | Beats 59% | 180 / 435 | |
| Net Interest Margin | 3.65% | 3.01% | 3.39% | 3.75% | Beats 69% | 137 / 435 | |
| Efficiency Ratio | 66.63% | 65.25% | 71.39% | 77.86% | Beats 70% | 133 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.05% | 0.45% | 0.69% | 1.05% | Beats 26% | 325 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.67% | 9.81% | 10.84% | 12.63% | Beats 22% | 338 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.67% | 9.81% | 10.84% | 12.63% | Beats 22% | 338 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 91.89% | 78.33% | 88.38% | 95.61% | 62nd pctl | 167 / 435 | |
| Loans / Assets | 82.31% | 67.69% | 74.58% | 80.80% | 84th pctl | 70 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |