Gadsden, Alabama · Peer group 6
Emblem Credit Union
Emblem Credit Union holds $619.2M in assets across 29,577 members as of Q1 2026 — about $21K of assets per member, on a charter dating to 1959. Charter number 67252, in the $500M-$1B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $619.2M |
|---|---|
| Total loans | $468.2M |
| Total shares (deposits) | $550.2M |
| Net worth | $69.0M |
| Members | 29,577 |
| Assets per member | $21K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 7.9% | |
|---|---|---|
| Loans | 8.6% | around the 75th percentile of its peer group |
| Deposits | 6.7% | around the 71st percentile of its peer group |
| Members | -6.1% | lower than 94% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 85.1% | around the 52nd percentile of its peer group |
|---|---|---|
| Net worth ratio | 11.2% | around the 60th percentile of its peer group |
| Return on assets | 1.13% | around the 79th percentile of its peer group |
| Delinquency ratio | 0.42% | around the 30th percentile of its peer group |
| Cash / assets | 11.2% | around the 72nd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 19th percentile of its peer group |
What this page does not show
Everything above is Emblem Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Alabama — the comparison set a peer ratio is measured against.
- Legacy Community Credit Union
BIRMINGHAM, AL
$736.3M · 39,671 members
- Winsouth Credit Union
GADSDEN, AL
$468.9M · 35,752 members
- Aod Credit Union
Bynum, AL
$462.0M · 37,753 members
- Alabama State Employees Credit Union
Montgomery, AL
$460.9M · 39,014 members
- TVA Community Credit Union
MUSCLE SHOALS, AL
$424.4M · 20,008 members
- Coosa Pines Credit Union
Childersburg, AL
$413.6M · 25,798 members
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