State credit union · GADSDEN, Alabama · NCUA charter #67252
EMBLEM
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $597.1M
- Total assets
- 29,387
- Members
- 11.2%
- Net-worth ratio
EMBLEM scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $597.1M; members 29,387; net-worth ratio 11.15%; health rank #2,132 of 4,374; healthier than 50th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,132 of 4,374 health · 2025Q4EMBLEM · health 84/100 · $597.1M · 2025Q4
Call Report peers
EMBLEM in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
EMBLEM vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); EMBLEM sits in 80-84 with 767 others.
84 Top 50% higher than 50% 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
EMBLEM: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 86.54% vs peer 83.90% (+2.64 pp).
- Largest lag: Net Worth Ratio at 11.15% vs peer 11.18% (-0.03 pp).
Alabama standing for EMBLEM
- Alabama health ordinal: #42 of 89.
- By total assets, EMBLEM is #15 of 89 in Alabama.
- Alabama membership ordinal: #18 of 89.
- One place up in Alabama, East Alabama Community (#41) ties at 84/100; one place down, LISTERHILL (#43) ties at 84/100.
Quarter path for EMBLEM
EMBLEM: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.7% from $597.1M (2025Q4) to $619.2M (2026Q1).
- Net-worth ratio shifted -0.12 pp (11.27% → 11.15%).
At 11.15%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 84/100 score is built
EMBLEM gives up 16 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.6 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.15% | -0.03 pp |
| Delinquency Rate | 0.64% | -0.23 pp |
| Return on Assets | 0.58% | +0.07 pp |
| Member Growth | -5.26% | - |
| Loan-to-Share Ratio | 86.54% | +2.64 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - EMBLEM
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $619.2M | - |
| 2025Q4 | $597.1M | 29,387 |
| 2024Q4 | $566.9M | 31,017 |
| 2023Q4 | $531.4M | 29,069 |
Credit Union Details
- Charter Number
- 67252
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Alabama
- City
- GADSDEN
- Data Quarter
- 2025Q4
Branch Locations (8)
Per its most recent NCUA branch filing, EMBLEM runs 8 offices in 7 different cities.
| Office | City |
|---|---|
| Emblem Credit Union (Main Office) | Gadsden, AL |
| Emblem Credit Union | Albertville, AL |
| Emblem Credit Union | Albertville, AL |
| Emblem Credit Union | Anniston, AL |
| Emblem Credit Union | Centre, AL |
| Emblem Credit Union | Fort Payne, AL |
| Emblem Credit Union | Oxford, AL |
| Emblem Credit Union | Rainbow City, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
A look at other Alabama credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for EMBLEM
Using this data
- EMBLEM ranks #2,132 of 4,374 nationally on financial health and #42 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Legacy Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Legacy Community
Frequently Asked Questions
Is EMBLEM financially healthy?
On its 2025Q4 NCUA 5300 filing, EMBLEM scores 84/100 (Excellent), with a 11.15% net worth ratio and 0.64% of loans delinquent. It ranks #2,132 of 4,374 nationally on health and #42 of 89 in Alabama.
How does EMBLEM compare to other credit unions?
EMBLEM scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (86.54% vs 83.90%). Its widest shortfall is net worth ratio (11.15% vs 11.18%).
How can I join EMBLEM?
Membership eligibility for EMBLEM depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact EMBLEM directly for current membership requirements and application steps.
Is my money safe at EMBLEM?
EMBLEM is a state-chartered 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. EMBLEM's net worth ratio of 11.15% 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.