EMBLEM Credit Union Profile

Showing details for EMBLEM Credit Union.

Home > AL > EMBLEM

EMBLEM

Charter #67252 | NCUA Region 2 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (256) 543-7040

Fax: (256) 439-3699

Founding Date: N/A

Website: https://www.emblemcu.com

Personnel & Operations

President: Lavender, Martha

Manager: Napper, Jeffrey

FT Employees: 101

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 6

Hours: 9:00 - 4:45 M, T,TH, F AND 9:00 - 1:00 WED

Credit Union Profile Summary

EMBLEM is a FISCU Credit Union. With a total of 32,185 members [1], this institution manages approximately $576,052,379 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.02% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 9.89% [1].

Financial Snapshot

Total Assets [1]
$576,052,379

Total economic resources.

Total Loans [1]
$449,604,257

Total value of outstanding loans.

Total Deposits [1]
$515,397,374

Total funds deposited by members.

Members [1]
32,185

Number of active members.

Performance Ratios

Net Worth Ratio [1]
11.02%

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]
0.78%

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

Loan-to-Share Ratio [1]
87.23%

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

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 4.68%

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

Loan Growth (4Q) [1]
↑ 9.89%

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

Member Growth (4Q) [1]
↑ 6.40%

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

Headquarters Location & Map

Headquarters Address

702 WALNUT ST

GADSDEN, AL, 35901
Open in Google Maps

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

No approved reviews yet. Be the first to rate this Credit Union!

Branch Locations

Found 6 branches reported by EMBLEM (Charter #67252).

Main Office

Alabama Teachers Credit Union Main Office

Type: Corporate Office

702 Walnut St

Gadsden, AL 35901

Phone: (256) 543-7040

Services: Member Services, Drive-Thru

Open in Directions

Additional Branches

Albertville

Alabama Teachers Credit Union

Type: Branch Office

1008 Portwood Dr

Albertville, AL 35951-7316

Phone: (256) 891-1611

Services: Member Services, Drive-Thru

Open in Directions

Anniston

Alabama Teachers Credit Union

Type: Branch Office

230 US Highway 431

Anniston, AL 36206-2120

Phone: (256) 238-1161

Services: Member Services, Drive-Thru

Open in Directions

Centre

Alabama Teachers Credit Union

Type: Branch Office

1440 Chesnut Byp

Centre, AL 35960-2815

Phone: (256) 927-7321

Services: Member Services, Drive-Thru

Open in Directions

Fort Payne

Alabama Teachers Credit Union

Type: Branch Office

700 Gault Ave S

Fort Payne, AL 35967-1628

Phone: (256) 997-9002

Services: Member Services, Drive-Thru

Open in Directions

Oxford

Alabama Teachers Credit Union

Type: Branch Office

2020 US Highway 78 E

Oxford, AL 36203-2057

Phone: (256) 831-2112

Services: Member Services, Drive-Thru

Open in Directions