EMBERS

Charter #62038 | MI

500M-750M (169 CUs) Community (281 CUs)
9 500M-750M in MI

EMBERS has 6 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 12.1% in tier
  • + Organic Growth Engine: Top 16.1% in tier
  • + Relationship Depth Leader: Top 27.7% in tier
  • + Wallet Share Momentum: Top 29.9% in tier
  • + ROA 0.13% above tier average
  • + First Mortgage Concentration (%): Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 29.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 32,834
+3.2% YoY+1.6% QoQ
 -6.9K 39,752
-2.7% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 29th in tier
Assets $575.2M
+6.1% YoY+1.2% QoQ
 $-47.2M $622.4M
+0.3% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 32nd in tier
Loans $361.5M
+6.7% YoY+1.6% QoQ
 $-74.4M $435.9M
-0.4% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 Bottom 18.3% in tier
Deposits $504.1M
+4.7% YoY+0.5% QoQ
 $-33.9M $538.0M
+1.3% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 36th in tier
ROA 0.8%
+111.7% YoY+25.8% QoQ
 +0.1% 0.7%
+33.9% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 61st in tier
NIM 3.3%
+16.3% YoY+4.3% QoQ
 -0.1% 3.4%
+8.6% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 41st in tier
Efficiency Ratio 78.1%
-11.0% YoY-3.0% QoQ
 -0.0% 78.1%
-3.4% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 48th in tier
Delinquency Rate 0.3%
-29.8% YoY+34.0% QoQ
 -0.5 0.8%
-4.9% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 Bottom 14.2% in tier
Loan To Share 71.7%
+1.9% YoY+1.0% QoQ
 -9.3% 81.0%
-1.8% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 Bottom 23.1% in tier
AMR $26,364
+2.2% YoY-0.6% QoQ
 $-118 $26,482
+2.6% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 59th in tier
CD Concentration 26.8%
-7.9% YoY-3.8% QoQ
 +2.4% 24.4%
+4.2% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 59th in tier
Indirect Auto % 8.8%
-2.6% YoY+1.0% QoQ
 -5.2% 14.0%
-5.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 52nd in tier

Signature Analysis

Strengths (4)

Organic Growth Leader

growth
#160 of 430 • Top 12.1% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.23%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth
#296 of 603 • Top 16.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.23%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.79%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 8.78%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Relationship Depth Leader

growth
#765 of 1006 • Top 27.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.22%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.7K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#825 of 1006 • Top 29.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.22%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (1)

Liquidity Overhang

risk
#449 of 552 • Bottom 29.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.25%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 71.71%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 169 peers in tier

Top Strengths (4 metrics)

17
First Mortgage Concentration (%)
balance_sheet
Value: 14.33%
Peer Avg: 33.53%
#17 of 169 Top 9.5% in 500M-750M tier
25
Total Delinquency Rate (60+ days)
risk
Value: 0.30%
Peer Avg: 0.80%
#25 of 169 Top 14.2% in 500M-750M tier
36
Member Growth Rate
growth
Value: 3.23%
Peer Avg: 1.75%
#36 of 169 Top 20.7% in 500M-750M tier
36
Net Charge-Off Rate
risk
Value: 0.18%
Peer Avg: 0.51%
#36 of 169 Top 20.7% in 500M-750M tier

Top Weaknesses (3 metrics)

151
Members Per Employee (MPE)
engagement
Value: 239.664
Peer Avg: 338.010
#151 of 169 Bottom 11.2% in 500M-750M tier
138
Total Loans
balance_sheet
Value: $361.51M
Peer Avg: $435.95M
#138 of 169 Bottom 18.9% in 500M-750M tier
130
Loan-to-Share Ratio
balance_sheet
Value: 71.71%
Peer Avg: 81.02%
#130 of 169 Bottom 23.7% in 500M-750M tier