Em Federal Credit Union
Total assets
$11.5M
▲ +1.5% YoY
Shares & deposits
$9.7M
▲ +2.2% YoY
Loans
$6.6M
▼ -0.8% YoY
Members
2,174
▲ +1.2% YoY
ROA (annualized)
0.57%
peers 0.60%
ROE (annualized)
3.64%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +1.3% | +0.2 pts |
| Share growth (YoY) | +2.2% | +0.7% | +1.6 pts |
| Loan growth (YoY) | -0.8% | -2.4% | +1.5 pts |
| ROA | 0.57% | 0.60% | -0.0 pts |
| ROE | 3.6% | 4.1% | -0.5 pts |
ROA ranks in the 48th percentile of its peer group · Q1 2026
Profile
- Established
- 1952
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 50 W Iron Ave, Mesa, AZ, 85210
- NCUA charter #
- 7715
- RSSD ID
- 127680
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $11.5M | $9.7M | $6.6M | $1.8M | $16K | 0.57% | 4.26% | 0.50% | 2,174 |
| Q4 2025 | $11.7M | $9.8M | $6.7M | $1.8M | $120K | 1.03% | 4.62% | 0.20% | 2,167 |
| Q3 2025 | $11.7M | $9.8M | $6.3M | $1.9M | $86K | 0.99% | 4.78% | 0.22% | 2,129 |
| Q2 2025 | $12.0M | $10.1M | $6.2M | $1.9M | $61K | 1.01% | 4.63% | 0.21% | 2,142 |
| Q1 2025 | $11.3M | $9.5M | $6.7M | $1.8M | $39K | 1.39% | 4.86% | 0.15% | 2,148 |
| Q4 2024 | $11.4M | $9.6M | $6.9M | $1.8M | $102K | 0.89% | 4.40% | 0.20% | 2,164 |
| Q3 2024 | $10.9M | $9.1M | $6.8M | $1.8M | $54K | 0.66% | 4.31% | 0.01% | 2,113 |
| Q2 2024 | $10.9M | $9.2M | $7.1M | $1.7M | $31K | 0.57% | 4.09% | 0.02% | 2,103 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $6.6M · securities $4.5M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Em Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.57% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.26% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.4% | 81.5% | — | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Em Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Em Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Em Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Em Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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