Oregon City, Oregon · Peer group 6
Embold Credit Union
Embold Credit Union holds $596.1M in assets across 36,496 members as of Q1 2026 — about $16K of assets per member, on a charter dating to 1957. Charter number 11793, in the $500M-$1B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $596.1M |
|---|---|
| Total loans | $432.2M |
| Total shares (deposits) | $532.0M |
| Net worth | $59.4M |
| Members | 36,496 |
| Assets per member | $16K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -0.8% | |
|---|---|---|
| Loans | -3.7% | lower than 92% of its peer group |
| Deposits | -0.9% | lower than 90% of its peer group |
| Members | -0.0% | around the 32nd percentile 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 | 81.2% | around the 41st percentile of its peer group |
|---|---|---|
| Net worth ratio | 10.0% | around the 35th percentile of its peer group |
| Return on assets | 0.15% | lower than 91% of its peer group |
| Delinquency ratio | 1.16% | around the 85th percentile of its peer group |
| Cash / assets | 8.4% | around the 50th 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 Embold 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 Oregon — the comparison set a peer ratio is measured against.
- Central Willamette Credit Union
Albany, OR
$613.8M · 37,628 members
- Cascade Community Credit Union
Roseburg, OR
$459.2M · 19,642 members
- Wauna Credit Union
Clatskanie, OR
$400.1M · 26,781 members
- Sage Credit Union
Klamath Falls, OR
$387.8M · 25,905 members
- Consolidated Credit Union
PORTLAND, OR
$831.2M · 38,284 members
- Oregonians Credit Union
Milwaukie, OR
$341.7M · 18,157 members
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