EMPIRE ONE Credit Union Profile

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EMPIRE ONE

Charter #613 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (716) 854-2458

Fax: (716) 854-3613

Founding Date: N/A

Website: http://www.empireonefcu.org

Personnel & Operations

President: McDonald, Louis

Manager: Seiser, Kelly

FT Employees: 12

PT Employees: 3

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 3

Hours: M-T 8:30 am - 4:30 pm W - 10:00 am - 4:30 p

Credit Union Profile Summary

EMPIRE ONE is a FCU Credit Union. With a total of 5,085 members [1], this institution manages approximately $77,065,586 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.5% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 4.89% [1].

Financial Snapshot

Total Assets [1]
$77,065,586

Total economic resources.

Total Loans [1]
$32,258,600

Total value of outstanding loans.

Total Deposits [1]
$68,960,720

Total funds deposited by members.

Members [1]
5,085

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.5%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
-0.37%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
46.78%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -0.75%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 4.89%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -5.36%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

3020 Orchard Park Rd

West Seneca, NY, 14224
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by EMPIRE ONE (Charter #613).

Main Office

Branch 020 Main Office

Type: Corporate Office

3020 Orchard Park Rd

West Seneca, NY 14224

Phone: (716) 854-2458

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Buffalo

Branch 010

Type: Branch Office

1155 William St

Buffalo, NY 14206

Phone: (716) 854-2458

Services: Member Services

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Vital Records

Type: Branch Office

1155 William St

Buffalo, NY 14206

Phone: (716) 854-2458

Services: Member Services, ATM, Drive-Thru

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