Membership Analysis NY 2025 Q4

Empower Federal Credit Union Membership Grows 7.6% to 303,010 in 2025 Q4

Empower Federal Credit Union (3025) reports +7.6% YoY membership growth in 2025 Q4, with $12,339 average deposit and 92.8% loan-to-share ratio.

By Cassandra Troy · Finleet CU Intelligence

2026-03-14

Empower Federal Credit Union (3025), headquartered in Syracuse, NY, reported 303,010 members at the end of 2025 Q4, an increase of 21,412 members (+7.6%) year-over-year.

The average member holds $12,339 in deposits. Strong membership growth combined with deposit growth signals successful community outreach and competitive product offerings.

Quarterly Membership Trends

Period	Members	QoQ	Avg Deposit
2024 Q1	266,853		$12,147
2024 Q2	271,927	+1.9%	$12,126
2024 Q3	277,374	+2.0%	$12,239
2024 Q4	281,598	+1.5%	$12,296
2025 Q1	286,846	+1.9%	$12,647
2025 Q2	293,393	+2.3%	$12,621
2025 Q3	299,402	+2.0%	$12,228
2025 Q4	303,010	+1.2%	$12,339

Total Members

303,010

+7.6% YoY

Avg Deposit

$12,339

Deposit Growth

+8.0%

Loan Growth

+13.1%

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FINLEET VERIFIED Intelligence Standard

Source: NCUA 5300 Call Reports (2025 Q4) · Analysis: Finleet Verified Intelligence · All figures derived from regulatory filings. No estimates or projections.

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