Empire One
Empire One is a credit union based in Cheektowaga, New York, established in 1935, with $77 million in total assets serving 4,918 members. By Trust Grade it ranks 227th of 267 credit unions we track in New York. Its net worth ratio of 10.9% trails most similarly sized credit unions (24th percentile), versus a New York median of 12%. It posted a loss over the most recent period (-0.56% return on assets), a point to watch. No consumer complaints against Empire One appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Empire One compares to New York peers
How we graded Empire One
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.9% capital ratio)
- Unprofitable over the period (ROA -0.56%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Empire One over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Empire One insured?
Yes. Empire One is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Empire One: frequently asked questions
Is Empire One a good credit union?
Empire One earns a Bankzia Trust Grade of B (81/100, "Strong"), based on a financial-strength score of 81/100 (it has no CFPB complaints on record). Well-capitalized (10.9% capital ratio); Unprofitable over the period (ROA -0.56%).
Is Empire One NCUA-insured?
Yes. Empire One is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Empire One?
Empire One holds $77 million in total assets, ranking 227th of 267 credit unions we track in New York. It serves 4,918 members.
Does Empire One have CFPB complaints?
No CFPB complaints against Empire One appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
