EMBERS Credit Union Profile

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EMBERS

Charter #62038 | NCUA Region 1 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (906) 228-7080

Fax:

Founding Date: N/A

Website: https://www.embers.org

Personnel & Operations

President: Angeli, Leonard

Manager: Blake, Thomas

FT Employees: 105

PT Employees: 24

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 7

Hours: M-F 8am to 5pm Sat 9am to 1pm

Credit Union Profile Summary

EMBERS is a FISCU Credit Union. With a total of 32,332 members ^[1], this institution manages approximately $568,598,514 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 12.11% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 4.80% ^[1].

Financial Snapshot

Total Assets ^[1]

$568,598,514

Total economic resources.

Total Loans ^[1]

$355,958,907

Total value of outstanding loans.

Total Deposits ^[1]

$501,492,605

Total funds deposited by members.

Members ^[1]

32,332

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

12.11%

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]

0.64%

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

Loan-to-Share Ratio ^[1]

70.98%

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

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 7.83%

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

Loan Growth (4Q) ^[1]

↑ 4.80%

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

Member Growth (4Q) ^[1]

↑ 1.65%

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

Headquarters Location & Map

Headquarters Address

601 S McClellan Ave

Marquette, MI, 49855

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 9 branches reported by EMBERS (Charter #62038).

Main Office

Corporate Office Main Office

Type: Corporate Office

Type: Branch Office

1001 W Baraga Ave

Marquette, MI 49855

Phone: (906) 228-7080

Services: Member Services, ATM, Drive-Thru

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