Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 13 Apr 2017 |
| RSSD ID | 793076 |
| Address | 1 Member Way, Syracuse, NY 13212 Directions (Google Maps) |
| Website | Not given on the official list (listed as “Non given”) |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe have not yet read this lender's website, so we can't list its loan products, sizes or service area. That doesn't mean it lacks them. The official list gives no website for this lender; contact it at the address above.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$4.7 million in 5 awards from the U.S. Treasury's CDFI Fund, 2017–2024 (CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $900,000 |
| 2022 | CDFI Program, Financial Assistance | $660,000 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | CDFI Program, Financial Assistance | $557,000 |
| 2017 | CDFI Program, Financial Assistance | $776,500 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as EMPOWER (charter 3025). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $4.3 billion (as of 30 Jun 2026) |
|---|---|
| Members | 310,884 (as of 30 Jun 2026) |
| Offices | 25 (as of 30 Jun 2026) |
Offices by state and county (25)
New York (25 offices)
- Broome County (3): 120 Main St, Binghamton 13905; 760 Harry L Dr, Johnson City 13790; 3701 Vestal Pkwy E, Vestal 13850
- Cayuga County (1): 65 State St, Auburn 13021
- Chemung County (1): 351 N Main St, Elmira 14901
- Erie County (2): 2141 Elmwood Ave, Buffalo 14207; 2690 Walden Ave, Cheektowaga 14225
- Madison County (1): 278 Genesee St, Chittenango 13037
- Montgomery County (1): 121 Palatine Plz, Palatine Bridge 13428
- Oneida County (1): 1928 Genesee St, Utica 13502
- Onondaga County (11): 1 Member Way, Syracuse 13212 (main office); 15 E Genesee St, Baldwinsville 13027; 5791 Route 31, Cicero 13039; 900 Kinne St, East Syracuse 13057; 7320 E Genesee St, Fayetteville 13066; 5112 W Taft Rd, Liverpool 13088; 7670 Morgan Rd, Liverpool 13090; 3700 W Genesee St, Syracuse 13219; 4729 Onondaga Blvd, Syracuse 13219; 515 Erie Blvd W, Syracuse 13204; 5933 S Salina St, Syracuse 13205
- Ontario County (1): 400 Fort Hill Ave Bldg 4, Canandaigua 14424
- Oswego County (3): 3056 East Ave, Central Square 13036; 520 S 2nd St, Fulton 13069; 100 George St, Oswego 13126
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Empower Federal Credit Union (NCUA charter 3025, filed as “EMPOWER”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $3.57 billion, 170,676 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Up 7.6% from $3.32 billion on 30 Jun 2025 |
| Members | 310,884 (as of 30 Jun 2026); 293,393 (as of 30 Jun 2025) |
| Loans per member | $11,483 (total loans divided by members, 30 Jun 2026) |
| Total assets | $4.34 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $218.8 million | 6.1% |
| Used vehicle loans | $672.2 million | 18.8% |
| First-lien home mortgages (1-4 family) | $1.24 billion | 34.7% |
| Other real estate loans (junior liens, other) | $598.5 million | 16.8% |
| Commercial (business) loans | $456.6 million | 12.8% |
| Credit cards | $121.8 million | 3.4% |
| Other unsecured loans | $211.4 million | 5.9% |
| Leases and other secured loans | $51 million | 1.4% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Empower Federal Credit Union reported 3,131 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $402.6M (median loan about $95,000). 767 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 767 | 24% |
| Refinance (incl. 656 cash-out) | 729 | 23% |
| Home improvement | 1,140 | 36% |
| Other purpose | 495 | 16% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 3,131 | 100% |
Included above: 1,768 home-equity or other open-end lines of credit; 45 loans on manufactured homes; 9 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 64 counties with at least one; 99% of its 2025 loans were for properties in New York:
- Onondaga County, NY (1,820)
- Oswego County, NY (500)
- Cayuga County, NY (145)
- Broome County, NY (144)
- Madison County, NY (128)
- Erie County, NY (59)
- Oneida County, NY (55)
- Chemung County, NY (39)
Filed under LEI 549300YKTME1U7Z0UN20 as “EMPOWER FEDERAL CREDIT UNION”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $4.34 billion | Larger than 100% of the 18 other certified credit unions in New York (median $41.6 million). |
| Loans as a share of assets | 82% | Median of the same 18 credit unions: 60%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $3.32 billion → $3.57 billion (+8%) | Median change of 17 other certified credit unions in New York: +1%. Rank by loans held among these 18: 1 → 1. |
| Home loans originated in 2025 (HMDA) | 3,131 | More than 98% of the 263 other certified CDFIs that reported 3 or more (119 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in New York | 18 | larger than 100% |
| Loans held then vs now | certified credit unions in New York reporting both dates | 17 | rank 1 → 1 of 18 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 98% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Syracuse and New York
- Home Headquarters, Inc.Loan fund · Syracuse, NYHome repair / improvement loans, Home mortgages, Small-business loansVerified
- Syracuse Cooperative Federal Credit UnionCredit union · Syracuse, NYAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Small-dollar / emergency loans…Verified
- ADIRONDACK ECONOMIC DEVELOPMENT CORPORATIONLoan fund · Saranac Lake, NYSmall-business loansVerified
- Alternatives Federal Credit UnionCredit union · Ithaca, NYAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- Amplify Equity, Inc.Loan fund · Elmira, NYSmall-business loansVerified
- Ascendus Inc.Loan fund · New York, NYChild-care facility financing, Credit-builder loans, Small-business loansVerified
Work at Empower Federal Credit Union? Link to this page
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