EMPOWER
Charter #3025 · Syracuse, NY · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 307,868 ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.61% sits at the 21st percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.71% sits at the 75th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | EMPOWER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.27B | 76th pct | 61th pct |
| Members | 307,868 | 85th pct | 85th pct |
| Net worth ratio | 9.61% | 24th pct | 21th pct |
| Return on average assets | 0.78% | 56th pct | 49th pct |
| Net interest margin | 3.59% | 66th pct | 69th pct |
| Cost of funds | 2.25% | 76th pct | 70th pct |
| Loan-to-share | 89.47% | 59th pct | 49th pct |
| Delinquency 60+ days | 0.86% | 72th pct | 72th pct |
| Net charge-off ratio | 0.71% | 67th pct | 75th pct |
| Loan growth YoY | -0.39% | 21th pct | 15th pct |
| Share growth YoY | 4.77% | 61th pct | 57th pct |
| Efficiency ratio | 67.18% | 29th pct | 33th pct |
structural peer set hash: 898df8fe612e7661dba89106acdd50f6… (reproducible)
Closest structural peers
This is the free public view
Claim EMPOWER
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.