EMBOLD Credit Union Profile

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EMBOLD

Charter #11793 | NCUA Region 3 | FCU

Low-Income Designation: No

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (503) 656-0671

Fax: (503) 722-2826

Founding Date: N/A

Website: http://www.emboldcu.org

Personnel & Operations

President: Fraser, Michael

Manager: Khouri, Rani

FT Employees: 128

PT Employees: 4

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 9

Hours: M-F 9am-5:30pm

Credit Union Profile Summary

EMBOLD is a FCU Credit Union. With a total of 36,690 members ^[1], this institution manages approximately $599,661,362 in total assets ^[1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 9.64% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 5.03% ^[1].

Financial Snapshot

Total Assets ^[1]

$599,661,362

Total economic resources.

Total Loans ^[1]

$451,818,190

Total value of outstanding loans.

Total Deposits ^[1]

$536,094,451

Total funds deposited by members.

Members ^[1]

36,690

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

9.64%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.17%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

84.28%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↓ -2.29%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 5.03%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 1.47%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

15099 SE Mcloughlin Blvd

Milwaukie, OR, 97267

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 7 branches reported by EMBOLD (Charter #11793).

Main Office

Admin Branch Main Office

Type: Corporate Office

Type: Branch Office

37077 Highway 26

Sandy, OR 97055

Phone: (503) 656-0671

Services: Member Services, ATM

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