# EMPOWER
Syracuse, NY · NCUA charter 3025 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/empower-3025

Who the members are: federal charter, multiple common bond, organized 1939, low-income designated. 307,868 members of 1,752,663 potential (17.6% of the field); checking penetration 58% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $4.27B |
| Members | 307,868 (7.3% YoY) |
| Full-time staff | 568 |
| Net worth | $410.4M |
| Net worth ratio | 9.6% (p24 of band) |
| ROA (annualized) | 0.77% (p57 of band) |
| Total delinquency | 0.86% (p73 of band) |
| Net charge-offs (annualized) | 0.72% (p69 of band) |
| Loans / shares | 89% (p59 of band) |
| Cash / assets | 9.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.54% (p66 of band) |
| Operating expense / assets | 3.31% (p56 of band) |
| Vehicles % of loans | 25% (p45 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 80% |
| Third-party paper % of net worth | 168% (p60 of band) |
| Vehicle delinquency | 0.93% (p74 of band) |
| Vehicle NCO | 1.50% (p73 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 51% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 110% |
| Core shares % of member funds | 37% |
| Certificates % of member funds | 32% |
| Average share balance | $6,389 |
| Participations bought / yr | $0 |
| Participations sold / yr | $312.5M |
| Participations outstanding | $39.6M |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $20,369 |
| Loans granted, annualized | $1.02B |

## Participation posture (from the same filings)

Bought $0 and sold $312.5M in the latest annualized quarter; $39.6M outstanding purchased (9.6% of net worth), $22.1M sold and retained. Sold in 5 and bought in 2 of the last 8 quarters. Shares 5.7% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 2 | delinquency 2x band |  |
| 2016-09 | 1 |  | delinquency 2x band |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | net worth falling |  |
| 2017-06 | 1 |  | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | 3rd-party paper>100% NW |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | loans>95% of shares |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 3 |  |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 | net worth falling | loans>95% of shares |
| 2020-06 | 4 | margin squeeze |  |
| 2020-09 | 3 |  | net worth falling |
| 2020-12 | 3 |  |  |
| 2021-03 | 5 | thin capital, net worth falling |  |
| 2021-06 | 2 |  | margin squeeze, thin capital, net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 | delinquency 2x band | expense trap |
| 2022-03 | 3 | expense trap |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 1 |  | delinquency 2x band, expense trap |
| 2022-12 | 2 | leaning on borrowings |  |
| 2023-03 | 1 |  | leaning on borrowings |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | net worth falling |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | net worth falling |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | net worth falling, delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-04 [The Goo Goo Dolls with opening act Neon Trees at the Empower Federal Credit Union Amphitheater at Lakeview. - Syracuse.com](https://news.google.com/rss/articles/CBMib0FVX3lxTE9KbVlodkoyUDVrZ1dPZEhLa2xzVE5hYnRwOU9ucXpQTGpJenhlaGF5MXdTbE05ZXVTaVFEaEhYZzNiTXRpY3NfTDVHc240QWxPZ3VuVHllR1AzeS1SNFR0VWg5SXRoc25pR3FMTGZmZw?oc=5) · Syracuse.com
- 2026-06-22 [Empower Federal Credit Union’s community-focused approach drives member retention - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPTmVvMDZGQWZadXFhc3FvMU1GTVN3b0VWRGt1UlNqQlNzcFlYT2dzMF82ZDZfbF9KM3ZhYzVVLW5SaEdGZU4yQkZUbWdwRjdjQ2hGM3N3dGpMVW1WdEdnU3ZoLUFXbnFZX1RuN2RqOEMzMWNmaUlDQ0hKTU11cTZoS1h5ZXA5YmJJbkE1bjZfUm5GckNnLUtseUh5aUU2S1NkQVk1UFlRbThNdw?oc=5) · The Business Journals
- 2026-05-05 [Pavillion at the Amp named for former Onondaga Co. Executive Joanie Mahoney - WSTM](https://news.google.com/rss/articles/CBMirAFBVV95cUxQMzdLaGhmZVN5LVZJeVFqbVpNZkIzR1ozWndFODR6UDUtMElLWDZQZ2Q3aVQ0YU9aNUtITmxkbjV3QjI1MzVieWszWkd5bk0zWmxfekItVTlLVDZRNS05MVMzbXh0T2o3bzFoUTQ1a09NSmV4SVBnZ3JvYW1CLWxLeVp1bkRZSUE3OGVJQ0xHV0liZkMwUEtYUXNxU1pFZHEyQzdFdHZfbFZCNFpF?oc=5) · WSTM
- 2022-12-15 [Empower Federal Credit Union names Ryan McIntyre as President and Chief Executive Officer - CUInsight](https://news.google.com/rss/articles/CBMiygFBVV95cUxOVHpFQjBhZ0hfdG5kNWZZYTlzdmJ6TmlJMnlvX2hJRU41RlF3V2xQLU9UcEx4REhCYmc1RC1jakZHYkVXVjV6TGtYN00tcmpDM3lMZWJXT1hVbWhBVWp6SmlXaUFEeThIWi1Ia2VJZ0wtYVZ6NG1yTWc5cUlUeklIZDJxZnBiMUFaaE1kWmloSVdfYWRsY2daSzYyTGExRURDN3ZwYkxPWXhZckw5N3ZkYUNCc2trQ0JseUd6cTk5T3p0NXN3LW1SQWVn?oc=5) · CUInsight
- 2024-06-12 [Jen Wolfe, Chief operating officer, Empower Federal Credit Union - oswegocountybusiness.com](https://news.google.com/rss/articles/CBMiVkFVX3lxTFBFcjZOdUFjem5zN0ZXcDl1TWM1ZmRua0NTWVl0a2JvT214ZDVRWVMxVmlPN0w4bmEwSWFLMlFWdXJnN1ZNUmlPOVNQektNd092OEtvSDhR?oc=5) · oswegocountybusiness.com
- 2026-04-28 [Syracuse amphitheater to celebrate 10th anniversary with free community event, local bands - Syracuse.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxQUE1TYTE5NFZiak9YSkJaWDJwdXNackxLSW85amhQdWh0UUk2Nl9uM0U1RlZQLVUyd0VPSnBtZEphOWZReTRuYXVfY1FXWXJMRGNYTXFRd0dIS2VmNGtnMEJqbEpfVXRUOE05cFYtTDBVbjB1UGI0MDNYdk5kSm1ObUN0dWxMZ181cVNqa3ktUC1HYkxpVHA4SXRmZjBHUUpobVJRaTNrU3dGXzZybWp4bUIzUll6d1NnUEc3ZF9GYnRqS0d2RVFyTVJn0gHeAUFVX3lxTE9lU0RSQ2tSQWplazdpVE1aLUVmMzZLRkRaYm56NnRwajVSVGotQXNsckI3UWJONzlHWWhRanFIWDBNcUlvX3BHa2hnQzhlSkQ5eDdDVGpPcEk5eGtQMjd6bnNkSE5tZGg5WngyMXZ6OU9DSmk5V1EtY1dVU0hGbXlCWHNhZTQtZlp4SjhLeHJWMzV2LWd1X1VsaHA5a2thWGEtVDRURmUyaFIzRTFrMmd2Vl9GV0xBYV9NcGQ4cDlJRmNYemg2WWJZdGs4LTU0TzQ0MmFWXzc0S2ZkSDl6QQ?oc=5) · Syracuse.com
- 2023-10-20 [Empower Federal Credit Union takes over Lakeview Amphitheater naming rights - WSYR](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNVDVkQXN6dUQtWmx2MFlJbHVDU3BnZUxvS1VSMDE3a2Z1RXczZldBSE9UNDVpTHNrR0VhcFJyaXJRQ1VmOU82dElvNUhSaDZQTGNxeTc5ZjNmNGY3dTBKSjkyS0JIeHlMcHJnUVdjM2twcXhLNm9NdVFVbm52ZUE0VmU4NWh6dGdJRkpxcjExXzEzZnp2OTlOQXA4QlR6cnZWSjhleExlcHEzVVIwU0dFX3ZNeFdmRkJ60gG-AUFVX3lxTE9uLVhOQ2M2LW9sTU43MDVPbEhzTWVvaHF2OE8wU3lZOUU1aXBfVW1URnJPQTBzSGpnSkw0UVdjN0tMMTl4TnU2U1lmSDZTNERpdXMzTXhOVHRQY2pxUXlCQ1NQSGVGNFBIcUpXb0hxUGg2dUNIR0c1QjlxTG1ZUnd2Um5Cak5TMlo0dXlXbGlHQlpYNHBiWHlBZ3hlVjZYcE9NbHY1TU1vMWlxbnNYbFlkRnRnWEdFSmZrOEUtUnc?oc=5) · WSYR
- 2021-02-08 [Empower Federal Credit Union promotes two employees to vice president - CUInsight](https://news.google.com/rss/articles/CBMirwFBVV95cUxOSm9aanZXSkRjRk1Wcnh2TFRkYVZSQk9RcmdmTUhxcDNfV3NCUjlnMmtEZ0lFa1pvemRfT3ZzMV9oRlppTkg1YUJCWHR3TmRGOE9VWEdGQTctX1IxZDhCSkg2WlJVTjNmdWFzQVdTME9aTkZPT0o1bE1DY25tb1lQVnpqNGRJYkFfMzV4MjI5UjNwRWdaWWplYWxDWFpIWHdoUWt6dVUyazA4a2VFenJF?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3025 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/17.json (key "3025", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=3025
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide