State credit union · Marquette, Michigan · NCUA charter #62038
EMBERS
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $583.6M
- Total assets
- 32,332
- Members
- 11.9%
- Net-worth ratio
EMBERS scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $583.6M; members 32,332; net-worth ratio 11.95%; health rank #786 of 4,374; healthier than 80th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#786 of 4,374 health · 2025Q4EMBERS · health 92/100 · $583.6M · 2025Q4
- RANK 92/100
- PHOTO 11.9%
- BOOK 0.26%
- CHARTER 0.35%
- NCUSIF $583.6M
- CAMELS 32,332
- HEALTH #786/4,374
- NW TECH
- DELQ 62038
Call Report peers
EMBERS in the assets neighbourhood
EMBERS's $583.6M assets sit next to TECH ($583.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
EMBERS vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
EMBERS - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #62038. See our deposit-insurance coverage note.
EMBERS: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 11.95% vs peer 11.18% (+0.77 pp).
- Loan-to-Share Ratio trails the peer set - 72.25% here, 83.90% peer average (-11.65 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where EMBERS sits in Michigan
- Health composite ranks #30 of 171 among scored Michigan credit unions.
- Assets rank #42 of 171 inside Michigan ($583.6M reported).
- Michigan membership ordinal: #42 of 171.
In-state ordinals use the live credit_unions table for MI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How EMBERS's 5300 filing moved
EMBERS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +5.0% from $583.6M (2025Q4) to $612.9M (2026Q1).
- Net-worth ratio shifted -0.34 pp (12.29% → 11.95%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.95% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.8 pts
- Member Growth 9.5 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.95% | +0.77 pp |
| Delinquency Rate | 0.26% | -0.62 pp |
| Return on Assets | 0.35% | -0.16 pp |
| Member Growth | 0.44% | - |
| Loan-to-Share Ratio | 72.25% | -11.65 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
EMBERS filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $612.9M | - |
| 2025Q4 | $583.6M | 32,332 |
| 2024Q4 | $548.8M | 32,189 |
| 2023Q4 | $515.6M | 31,581 |
Credit Union Details
- Charter Number
- 62038
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Michigan
- City
- Marquette
- Data Quarter
- 2025Q4
Branch Locations (8)
EMBERS operates 8 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Marquette, MI |
| Escanaba Branch | Escanaba, MI |
| Gwinn Branch | Gwinn, MI |
| Main Branch | Marquette, MI |
| South Branch | Marquette, MI |
| Munising Branch | Munising, MI |
| Negaunee Branch | Negaunee, MI |
| Wells Branch | Wells, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
Other federally-insured credit unions in Michigan, closest first by peer group and asset size.
EMBERS nationwide neighbourhoods
EMBERS's nationwide photo peers by assets and by health score, excluding Michigan charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($583.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- EMBERS ranks #786 of 4,374 nationally on financial health and #30 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Diversified Members is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Diversified Members
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is EMBERS financially healthy?
A 11.95% net worth ratio and a 0.26% delinquency rate feed into EMBERS's financial health score of 92/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #786 of 4,374; by total assets it ranks #688 of 4,374 nationally (same basis as /rankings/largest); and #42 of 171 within Michigan. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does EMBERS compare to other credit unions?
92/100 is EMBERS's score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join EMBERS?
Membership eligibility for EMBERS depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact EMBERS directly for current membership requirements and application steps.
Is my money safe at EMBERS?
Federal credit unions like EMBERS are 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. EMBERS's net worth ratio of 11.95% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does EMBERS offer compared to banks?
Credit unions like EMBERS are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact EMBERS directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.