Empire ONE Federal Credit Union

Overview / Commentary
3020 Orchard Park Rd
West Seneca, NY 14224

Empire ONE Federal Credit Union is headquartered in West Seneca and is the 94th largest credit union in the state of New York. It is also the 1,996th largest credit union in the nation. It was established in 1935 and as of September of 2022, it had grown to 13 employees and 6,030 members at 3 locations. Empire ONE Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership with Empire ONE Federal Credit Union is open to those who live, work, worship, or attend school in Erie County, New York.
See current membership details

Reviews (1)

Empire One Federal Credit Union is a great local bank.

Posted by: |

Empire One Federal Credit Union has just moved to a brand new beautiful building just across the street from their old location. Their building may be new, but their customer service remains as fabulous as it was in the old tiny office. We have both checking and savings accounts with the bank along with internet access to our accounts. We do most of our banking automatically or via the website, but occasionally I need to go to the bank to cash a check, get a cashier's check, or just ask a question. The employees at the bank are always friendly, knowledgeable, and extremely efficient. I am very happy to be a member of this credit union.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Empire ONE Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #613
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD-0.27%
Return on Equity - YTD-2.92%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$86.4MM$86.8MM
LoansQ3 2022vs Q3 2021$31.9MM$30.0MM
DepositsQ3 2022vs Q3 2021$77.8MM$77.3MM
Equity CapitalQ3 2022vs Q3 2021$8.1MM$9.1MM
Loan Loss AllowanceQ3 2022vs Q3 2021$177.00K$260.00K
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$45.00K$94.00K
Real Estate OwnedQ3 2022vs Q3 2021$0$0

Rates for Empire ONE Federal Credit Union are currently being reviewed.


Empire ONE Federal Credit Union Locations
Branch Office3020 Orchard Park RdWest Seneca, NY 14224
Branch Office1155 William StBuffalo, NY 14206
Branch Office1155 William StBuffalo, NY 14206

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