Loan Analysis
NY
2025 Q4
Empower Federal Credit Union Loan Growth Ranks 86th Among NY Peers
Empower Federal Credit Union (3025) reports +13.1% YoY loan growth in 2025 Q4, with 92.8% loan-to-share ratio and 1.00% delinquency rate.
By Cassandra Troy · Finleet CU Intelligence
2026-03-14
Empower Federal Credit Union (3025) reported $3.47B in total loans and leases at the end of 2025 Q4, an increase of $402.69M (+13.1%) year-over-year. The credit union's delinquency rate stands at 1.00%.
With a 92.8% loan-to-share ratio, Empower Federal Credit Union is deploying member deposits aggressively into loans.
Loan Portfolio Composition
| Loan Type | Balance | % of Portfolio | YoY |
|---|---|---|---|
| Used Vehicle | $685.82M | 19.8% | +20.1% |
| New Vehicle | $227.98M | 6.6% | -1.2% |
Quarterly Trends
| Period | Total Loans | QoQ | Total Assets |
|---|---|---|---|
| 2024 Q1 | $2.72B | $3.58B | |
| 2024 Q2 | $2.85B | +5.0% | $3.66B |
| 2024 Q3 | $2.97B | +4.2% | $3.76B |
| 2024 Q4 | $3.07B | +3.3% | $3.84B |
| 2025 Q1 | $3.15B | +2.6% | $4.01B |
| 2025 Q2 | $3.32B | +5.4% | $4.11B |
| 2025 Q3 | $3.45B | +3.9% | $4.07B |
| 2025 Q4 | $3.47B | +0.7% | $4.17B |
Peer Comparison
Among 190 credit unions in its asset peer group, Empower Federal Credit Union ranks in the 86th percentile for loan growth.
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