Emblem Credit Union
Total assets
$619.2M
▲ +7.9% YoY
Shares & deposits
$550.2M
▲ +6.7% YoY
Loans
$468.2M
▲ +8.6% YoY
Members
29,577
▼ -6.1% YoY
ROA (annualized)
1.13%
peers 0.62%
ROE (annualized)
10.10%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | Emblem Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +4.8% | +3.1 pts |
| Share growth (YoY) | +6.7% | +4.3% | +2.4 pts |
| Loan growth (YoY) | +8.6% | +4.3% | +4.3 pts |
| ROA | 1.13% | 0.62% | +0.5 pts |
| ROE | 10.1% | 5.9% | +4.2 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
Profile
- Established
- 1959
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- P O Box 1400, Gadsden, AL, 35902
- NCUA charter #
- 67252
- RSSD ID
- 181383
- 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 | $619.2M | $550.2M | $468.2M | $69.0M | $1.7M | 1.13% | 3.33% | 0.42% | 29,577 |
| Q4 2025 | $597.1M | $530.8M | $459.3M | $67.3M | $6.0M | 1.01% | 3.23% | 0.64% | 29,387 |
| Q3 2025 | $592.5M | $528.5M | $449.3M | $65.6M | $4.4M | 0.99% | 3.15% | 0.61% | 32,649 |
| Q2 2025 | $576.1M | $515.4M | $449.6M | $63.5M | $2.2M | 0.77% | 3.12% | 0.82% | 32,185 |
| Q1 2025 | $573.8M | $515.5M | $431.1M | $62.1M | $826K | 0.58% | 2.98% | 0.80% | 31,509 |
| Q4 2024 | $566.9M | $498.6M | $426.7M | $61.2M | $3.4M | 0.61% | 2.90% | 0.94% | 31,017 |
| Q3 2024 | $562.6M | $483.7M | $412.0M | $60.3M | $2.5M | 0.58% | 2.86% | 0.71% | 30,573 |
| Q2 2024 | $550.3M | $475.0M | $409.1M | $58.9M | $1.1M | 0.39% | 2.86% | 0.59% | 30,250 |
Loan mix (Q1 2026): real estate $204.4M · commercial $96.4M · consumer $148.3M · securities $61.9M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Emblem Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.62% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 5.9% | 81th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.33% | 3.48% | 41th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.1% | 78.3% | 28th | |
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 | Emblem 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 | Emblem 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 | Emblem 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 | Emblem 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.
Similar credit unions
- Legacy Community Federal Credit UnionBirmingham, AL · $736.3M
- Homeland Credit UnionChillicothe, OH · $619.8M
- Southpoint Financial Credit UnionSleepy Eye, MN · $620.0M
- G.P.O. Federal Credit UnionNew Hartford, NY · $621.7M
- Floridacentral Credit UnionTampa, FL · $622.0M
- Coast360 Federal Credit UnionMaite, GU · $625.6M
Selling to Emblem Credit Union?
See Pro plan →Peer lists, growth filters, CSV export, CRM push.