EMBLEM

Charter #67252 | AL

500M-750M (169 CUs) Community (281 CUs)
2 500M-750M in AL

EMBLEM shows strong momentum with 8 strengths and 6.8% YoY member growth

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 2.1% in tier
  • + Organic Growth Leader: Top 3.6% in tier
  • + Relationship Depth Leader: Top 16.2% in tier
  • + Wallet Share Momentum: Top 30.0% in tier
  • + ROA 0.34% above tier average
  • + Strong member growth: 6.8% YoY
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Member Growth Rate: Top 8.3% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Members 32,649
+6.8% YoY+1.4% QoQ
 -7.1K 39,752
-2.7% YoY
 29,240
-2.8% YoY
 33,089
+6.1% YoY
 28th in tier
Assets $592.5M
+5.3% YoY+2.9% QoQ
 $-29.9M $622.4M
+0.3% YoY
 $436.7M
+7.4% YoY
 $547.7M
+7.8% YoY
 40th in tier
Loans $449.3M
+9.0% YoY-0.1% QoQ
 +$13.3M $435.9M
-0.4% YoY
 $258.0M
+6.8% YoY
 $388.7M
+8.6% YoY
 56th in tier
Deposits $528.5M
+9.3% YoY+2.5% QoQ
 $-9.5M $538.0M
+1.3% YoY
 $382.5M
+6.8% YoY
 $464.6M
+9.3% YoY
 45th in tier
ROA 1.0%
+69.5% YoY+29.4% QoQ
 +0.3% 0.7%
+33.9% YoY
 0.8%
+31.6% YoY
 0.7%
+273.4% YoY
 Top 22.5% in tier
NIM 3.2%
+10.5% YoY+2.2% QoQ
 -0.2% 3.4%
+8.6% YoY
 3.7%
+6.4% YoY
 3.7%
+5.0% YoY
 32nd in tier
Efficiency Ratio 71.6%
-12.1% YoY-4.6% QoQ
 -6.5% 78.1%
-3.4% YoY
 76.4%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 20.7% in tier
Delinquency Rate 0.6%
-14.5% YoY-26.0% QoQ
 -0.2 0.8%
-4.9% YoY
 1.7%
+18.9% YoY
 1.2%
-0.9% YoY
 46th in tier
Loan To Share 85.0%
-0.2% YoY-2.6% QoQ
 +4.0% 81.0%
-1.8% YoY
 60.8%
-1.6% YoY
 68.0%
-1.7% YoY
 54th in tier
AMR $29,949
+2.2% YoY-0.1% QoQ
 +$3K $26,482
+2.6% YoY
 $17,062
+2.3% YoY
 $19,418
+1.3% YoY
 Top 24.3% in tier
CD Concentration 37.0%
+6.5% YoY+1.9% QoQ
 +12.6% 24.4%
+4.2% YoY
 20.8%
+2.9% YoY
 19.6%
+6.2% YoY
 Top 11.8% in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 5.4%
-6.7% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (4)

Organic Growth Engine

growth
#40 of 603 • Top 2.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 6.79%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.00%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(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 | New qualifier

Organic Growth Leader

growth
#49 of 430 • Top 3.6% in tier

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

Why This Signature
Member Growth (YoY): 6.79%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Relationship Depth Leader

growth
#448 of 1006 • Top 16.2% 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: $4.1K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#826 of 1006 • Top 30.0% 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 (0)

No concerns identified

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 (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.19%
#1 of 169 Top 0.0% in 500M-750M tier
15
Member Growth Rate
growth
Value: 6.79%
Peer Avg: 1.75%
#15 of 169 Top 8.3% in 500M-750M tier
30
Deposit Growth Rate
growth
Value: 9.26%
Peer Avg: 5.25%
#30 of 169 Top 17.2% in 500M-750M tier
36
Efficiency Ratio
profitability
Value: 71.63%
Peer Avg: 78.10%
#36 of 169 Top 20.7% in 500M-750M tier
36
Fee Income Per Member
profitability
Value: $251.69
Peer Avg: $199.27
#36 of 169 Top 20.7% in 500M-750M tier
38
Return on Assets (ROA)
profitability
Value: 1.00%
Peer Avg: 0.66%
#38 of 169 Top 21.9% in 500M-750M tier
39
Loan Growth Rate
growth
Value: 9.04%
Peer Avg: 4.04%
#39 of 169 Top 22.5% in 500M-750M tier
39
Loan-to-Member Ratio (LMR)
engagement
Value: $13,761
Peer Avg: $11,805
#39 of 169 Top 22.5% in 500M-750M tier
41
Average Member Relationship (AMR)
engagement
Value: $29,949
Peer Avg: $26,482
#41 of 169 Top 23.7% in 500M-750M tier

Top Weaknesses (1 metrics)

151
Share Certificate Concentration (%)
balance_sheet
Value: 37.02%
Peer Avg: 26.87%
#151 of 169 Bottom 11.2% in 500M-750M tier