EMPOWER

Charter #3025 | NY

3B-5B (76 CUs) Mid-Market (380 CUs)
4 3B-5B in NY

EMPOWER has 6 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 6.9% in tier
  • + Wallet Share Momentum: Top 23.0% in tier
  • + Relationship Depth Leader: Top 32.5% in tier
  • + ROA 0.07% above tier average
  • + Net Interest Margin 0.34% above tier average
  • + Strong member growth: 7.9% YoY

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 2.7% in tier
  • - Credit Quality Pressure: Bottom 9.9% in tier
  • - Liquidity Strain: Bottom 13.0% in tier
  • - Margin Compression: Bottom 14.6% in tier
  • - Indirect Auto Dependency: Bottom 21.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 299,402
+7.9% YoY+2.0% QoQ
 +60.9K 238,465
+0.6% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 Top 14.5% in tier
Assets $4.1B
+8.3% YoY-0.8% QoQ
 +$102.9M $4.0B
-0.1% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 53rd in tier
Loans $3.4B
+15.9% YoY+3.9% QoQ
 +$426.1M $3.0B
+3.3% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 Top 23.7% in tier
Deposits $3.7B
+7.8% YoY-1.1% QoQ
 +$327.8M $3.3B
+1.1% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 Top 25.0% in tier
ROA 0.8%
-24.6% YoY+2.2% QoQ
 +0.1% 0.7%
+5.3% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 51st in tier
NIM 3.5%
+9.1% YoY+3.9% QoQ
 +0.3% 3.2%
+13.7% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 63rd in tier
Efficiency Ratio 68.7%
-2.5% YoY-3.4% QoQ
 -2.6% 71.3%
-0.6% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 43rd in tier
Delinquency Rate 0.8%
+29.4% YoY+26.4% QoQ
 -0.1 0.8%
+15.9% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 64th in tier
Loan To Share 94.1%
+7.5% YoY+5.1% QoQ
 +3.3% 90.8%
+2.0% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 57th in tier
AMR $23,734
+3.4% YoY-0.8% QoQ
 $-5K $29,088
+0.1% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 Bottom 23.7% in tier
CD Concentration 30.3%
+12.0% YoY-0.9% QoQ
 +1.3% 29.0%
+0.8% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 58th in tier
Indirect Auto % 21.5%
+1.2% YoY+0.7% QoQ
 +2.8% 18.8%
-2.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 61st in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#51 of 246 • Top 6.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 7.94%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.81%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 21.55%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#167 of 264 • Top 23.0% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.41%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#236 of 264 • Top 32.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.41%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.8K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (5)

Growth-at-Risk

risk
#16 of 161 • Bottom 2.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 15.95%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.18% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Credit Quality Pressure

risk
#77 of 217 • Bottom 9.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.18% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | New qualifier

Liquidity Strain

risk
#69 of 183 • Bottom 13.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 94.10%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 15.95%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | New qualifier

Margin Compression

decline
#13 of 24 • Bottom 14.6% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.81%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.26% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Total Assets: $4.07B
(Tier: $3.97B, National: $547.69M)
but better than tier avg
24 of 380 Mid-Market CUs have this signature | 169 nationally
↓ Shrinking -16 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#136 of 202 • Bottom 21.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 8.35%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 21.55%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 7.94%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 76 peers in tier

Top Strengths (7 metrics)

10
Member Growth Rate
growth
Value: 7.94%
Peer Avg: 7.02%
#10 of 76 Top 11.8% in 3B-5B tier
10
Loan Growth Rate
growth
Value: 15.95%
Peer Avg: 9.56%
#10 of 76 Top 11.8% in 3B-5B tier
11
Total Members
engagement
Value: 299,402
Peer Avg: 238,466
#11 of 76 Top 13.2% in 3B-5B tier
13
Members Per Employee (MPE)
engagement
Value: 532.744
Peer Avg: 433.941
#13 of 76 Top 15.8% in 3B-5B tier
18
Total Loans
balance_sheet
Value: $3.45B
Peer Avg: $3.02B
#18 of 76 Top 22.4% in 3B-5B tier
19
Total Deposits
balance_sheet
Value: $3.66B
Peer Avg: $3.33B
#19 of 76 Top 23.7% in 3B-5B tier
20
Asset Growth Rate
growth
Value: 8.35%
Peer Avg: 7.42%
#20 of 76 Top 25.0% in 3B-5B tier

Top Weaknesses (1 metrics)

58
Average Member Relationship (AMR)
engagement
Value: $23,734
Peer Avg: $29,088
#58 of 76 Bottom 25.0% in 3B-5B tier