Charter 3025 · Syracuse, NY
Empower Federal Credit Union
Empower Federal Credit Union is a federally chartered credit union in Syracuse, New York, with $4.34 billion in assets and 310,884 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.67%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as Empower FCU.
- Total assets
- $4.34 billion
- +5.6% in a year
- Members
- 310,884
- +6.0% in a year
- Net worth ratio
- 9.67%
- Peer median 10.79%
- Loans 60+ days late
- 1.05%
- Peer median 0.67%
- Loans outstanding
- $3.57 billion
- +7.6% in a year
- Shares and deposits
- $3.88 billion
- +4.9% in a year
- Branches
- 25
- 570 employees
- Opened
- 1939
- Federal charter
How Empower Federal Credit Union compares
NCUA groups credit unions by size; Empower Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 9.67% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.05%, is higher than the group median of 0.67%. Loans grew 7.6% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 10 of 268 credit unions headquartered in New York. See all New York credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $4.34 billion | 310,884 | $3.57 billion | 9.67% | 1.05% |
| Q1 2026 | $4.27 billion | 307,868 | $3.43 billion | 9.61% | 0.86% |
| Q4 2025 | $4.17 billion | 303,010 | $3.47 billion | 9.65% | 1.00% |
| Q3 2025 | $4.07 billion | 299,402 | $3.45 billion | 9.72% | 0.78% |
| Q2 2025 | $4.11 billion | 293,393 | $3.32 billion | 9.43% | 0.62% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 1.8 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 26 sites for Empower Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Baldwinsville
15 E Genesee St, Baldwinsville, NY 13027 - Fairmount
3700 W Genesee St, Syracuse, NY 13219 - Cheektowaga
2690 Walden Ave, Cheektowaga, NY 14225 - Fulton
520 S 2Nd St, Fulton, NY 13069 - Johnson City
760 Harry L Dr, Johnson City, NY 13790 - Liverpool
7670 Morgan Rd, Liverpool, NY 13090 - Oswego
100 George St, Oswego, NY 13126 - Palatine Bridge
121 Palatine Plz, Palatine Bridge, NY 13428 - Utica
1928 Genesee St, Utica, NY 13502 - 515 Erie Blvd
515 Erie Blvd W, Syracuse, NY 13204 - Fayetteville
7320 E Genesee St, Fayetteville, NY 13066 - Elmira
351 N Main St, Elmira, NY 14901 - Cicero
5791 Route 31, Cicero, NY 13039 - North Medical
5112 W Taft Rd, Liverpool, NY 13088 - Headquarters (main office)
1 Member Way, Syracuse, NY 13212 - Auburn
65 State St, Auburn, NY 13021 - GreenHills
5933 S Salina St, Syracuse, NY 13205 - Canandaigua
400 Fort Hill Ave Bldg 4, Canandaigua, NY 14424 - Chittenango
278 Genesee St, Chittenango, NY 13037 - Western Lights
4729 Onondaga Blvd, Syracuse, NY 13219 - East Syracuse
900 Kinne St, East Syracuse, NY 13057 - Central Square
3056 East Ave, Central Square, NY 13036 - Binghamton
120 Main St, Binghamton, NY 13905 - Vestal
3701 Vestal Pkwy E, Vestal, NY 13850 - VA Medical Center
800 Irving Ave, Syracuse, NY 13210 - North Buffalo
2141 Elmwood Ave, Buffalo, NY 14207
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology