Empire One Cheektowaga, NY · Charter 613 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60)
NCUA · 3 branches
Q2 2026
$76.0M Assets
$29.6M Loans
$67.6M Shares
$7.7M Net Worth
Executive Summary Strongest standing: nonperforming loans / loans outperforms 75% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 16 of 60). Widest gap: efficiency ratio trails 98% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 60 of 60). Overall: at or above the peer median on 1 of 7 directional measures. Return on Assets
-1.64%
Rank 59 of 60
Net Interest Margin
3.14%
Rank 41 of 60
Efficiency Ratio
142.47%
Rank 60 of 60
Equity / Assets
10.11%
Rank 47 of 60
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank 8-Qtr Trend Peer Position Earnings Return on Assets -1.64% 0.35% 0.84% 1.37% Beats 2% 59 / 60 Return on Equity -16.17% 2.76% 6.36% 10.04% Beats 2% 59 / 60 Net Interest Margin 3.14% 3.02% 3.63% 4.05% Beats 32% 41 / 60 Efficiency Ratio 142.47% 67.68% 77.48% 89.33% Beats 2% 60 / 60 Asset Quality Nonperforming Loans / Loans 0.32% 0.32% 0.64% 1.44% Beats 75% 16 / 60 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 10.11% 10.72% 13.16% 17.68% Beats 22% 47 / 60 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 10.11% 10.72% 13.16% 17.68% Beats 22% 47 / 60 Liquidity & Funding Loans / Deposits 43.79% 43.79% 55.03% 72.55% 25th pctl 45 / 60 Loans / Assets 38.99% 36.50% 47.22% 58.67% 28th pctl 43 / 60 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11