First Empire’s in depth understanding of the Credit Union industry is unsurpassed. We have worked with thousands of credit unions nationwide for decades. Our expertise is in developing solutions for credit unions to meet their specific needs.

We recognize that a credit union’s main concern is serving its members. We also understand the regulations and limitations faced by credit unions and the challenges and opportunities that exist.

Every dollar you can drive to the bottom line is a dollar you can give back to your members in one form or another. That is why we invest in resources and provide solutions that are specifically tailored to the investment needs of the credit union industry:

• Funding Strategies designed to raise deposits while reducing interest rate risk.
• Capital Efficiency/ Utilization designed to provide liquidity you can use to increase earnings, thereby maximizing the return you provide for your members.
• Loan Turnover Analysis studies actual, historical loan repricing and refinancing at your institution to develop new strategies that reduce interest rate risk and increase profitability.
• Liquidity Strategies that focus on loans, deposits and investments geared toward maximizing margins and providing member value.
• Investment Strategies designed to hedge the risk/optionality inherent in the balance sheet in an effort to maximize return to your members, within the parameters of safety and soundness.
• Regulatory Expertise that spans over thirty years. Our Director of Regulatory Affairs, Charlie Felker, was a former NCUA Investment Officer.