Sep, 30, 2025 — EMPIRE ONE FEDERAL CREDIT UNION is a federal credit union headquartered in WEST SENECA, NY with 3 branch locations and about $77.75 million in total assets. Opened 91 years ago in 1935, EMPIRE ONE FEDERAL CREDIT UNION has about 5,062 members and employs 14 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | EMPIRE ONE FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 3020 Orchard Park Rd WEST SENECA, NY 14224 |
| Phone: | (716) 854-2458 |
| Fax: | (716) 854-3613 |
| Website: | https://www.empireonefcu.org |
| Branches: | 3 branch locations |
| Members: | 5,062 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 613 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1935 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $77,747,243 |
| CEO/Manager: | Kelly Seiser |
| Chairperson: | Louis A McDonald |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 9,459,715 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 7,213,913 |
| Unsecured Loans | 4,272,889 |
| Other Loans | 20,669,830 |
| TOTAL LOANS | 32,156,632 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -156,712 |
| Land And Building | 6,650,250 |
| Other Fixed Assets | 148,199 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 679,316 |
| All Other Assets | 0 |
| TOTAL ASSETS | 77,747,243 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 308,633 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 16,287,723 |
| Regular shares | 43,557,605 |
| All Other Shares & Deposits | 9,147,209 |
| TOTAL SHARES & DEPOSITS | 68,992,537 |
| TOTAL LIABILITIES | 69,301,170 |
| Regular Reserve | 0 |
| Other Reserves | -183,050 |
| Undivided Earnings | 8,629,123 |
| TOTAL EQUITY | 8,446,073 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 77,747,243 |
| INCOME & EXPENSE | |
| Loan Income | 1,129,814 |
| Investment Income | 562,877 |
| Other Income | 220,902 |
| Total Employee Compensation & Benefits | 1,154,831 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 942,214 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 174,992 |
| Cost of Funds | 32,556 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 434,655 |
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