EMPIRE ONE
Charter #613 · Cheektowaga, NY · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.56% sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 2.89% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 0.06% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.34% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 116.03% sits at the 98th 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 | EMPIRE ONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $77.01M | 61th pct | 66th pct |
| Members | 4,918 | 48th pct | 54th pct |
| Net worth ratio | 10.90% | 29th pct | 31th pct |
| Return on average assets | -0.56% | 6th pct | 13th pct |
| Net interest margin | 2.89% | 13th pct | 0th pct |
| Cost of funds | 0.06% | 5th pct | 3th pct |
| Loan-to-share | 44.64% | 21th pct | 48th pct |
| Delinquency 60+ days | 0.38% | 36th pct | 33th pct |
| Net charge-off ratio | -0.34% | 1th pct | 0th pct |
| Loan growth YoY | -5.55% | 15th pct | 28th pct |
| Share growth YoY | -1.38% | 9th pct | 15th pct |
| Efficiency ratio | 116.03% | 99th pct | 98th pct |
structural peer set hash: a40a98790c3e31b1653874cd6cfcd061… (reproducible)
Closest structural peers
This is the free public view
Claim EMPIRE ONE
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.