Federal credit union · Abilene, Texas · NCUA charter #9457
E M O T
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $9.2M
- Total assets
- 464
- Members
- 39.3%
- Net-worth ratio
E M O T scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.2M; members 464; net-worth ratio 39.34%; health rank #3,568 of 4,374; healthier than 17th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,568 of 4,374 health · 2025Q4E M O T · health 70/100 · $9.2M · 2025Q4
Call Report peers
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E M O T vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); E M O T sits in 70-74 with 317 others.
70 17th percentile higher than 17% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
E M O T vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Net Worth Ratio: +20.28 pp (39.34% vs 19.06%).
- Loan-to-Share Ratio trails the peer set - 50.09% here, 63.60% peer average (-13.51 pp).
Texas standing for E M O T
- Health composite ranks #311 of 386 among scored Texas credit unions.
- Assets rank #313 of 386 inside Texas ($9.2M reported).
- Texas membership ordinal: #368 of 386.
- One place up in Texas, BP (#310) scores 71/100, 1 point higher; one place down, Sweetwater Regional (#312) ties at 70/100.
E M O T: 2025Q4 → 2026Q1
E M O T: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.8% from $9.2M (2025Q4) to $9.3M (2026Q1).
- Net-worth ratio shifted -0.03 pp (39.37% → 39.34%).
39.34% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 70/100 score is built
E M O T gives up 30 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 10.0 pts
E M O T vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 39.34% | +20.28 pp |
| Delinquency Rate | 1.67% | -0.14 pp |
| Return on Assets | 1.25% | +0.80 pp |
| Member Growth | -7.94% | - |
| Loan-to-Share Ratio | 50.09% | -13.51 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
E M O T filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.3M | - |
| 2025Q4 | $9.2M | 464 |
| 2024Q4 | $9.2M | 504 |
| 2023Q4 | $9.5M | 513 |
Credit Union Details
- Charter Number
- 9457
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Abilene
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, E M O T runs one office.
| Office | City |
|---|---|
| EMOT Federal Credit Union (Main Office) | Abilene, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for E M O T
Similar health score
Using this data
- E M O T ranks #3,568 of 4,374 nationally on financial health and #311 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cochran County Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cochran County Schools
Frequently Asked Questions
Is E M O T financially healthy?
E M O T has a financial health score of 70/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,568 of 4,374 nationally on health and #311 of 386 in Texas. Its net worth ratio is 39.34% and its delinquency rate 1.67%.
How does E M O T compare to other credit unions?
E M O T scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (39.34% vs 19.06%). Its widest shortfall is loan-to-share ratio (50.09% vs 63.60%).
How can I join E M O T?
E M O T operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact E M O T directly for the exact boundaries and application steps.
Is my money safe at E M O T?
E M O T is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. E M O T's net worth ratio of 39.34% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.