Abilene, Texas · Peer group 2
E M O T Credit Union
E M O T Credit Union holds $9.3M in assets across 470 members as of Q1 2026 — about $20K of assets per member, on a charter dating to 1954. Charter number 9457, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $9.3M |
|---|---|
| Total loans | $2.9M |
| Total shares (deposits) | $5.6M |
| Net worth | $3.6M |
| Members | 470 |
| Assets per member | $20K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.0% | |
|---|---|---|
| Loans | 9.8% | higher than 90% of its peer group |
| Deposits | -0.1% | around the 58th percentile of its peer group |
| Members | -5.4% | around the 17th 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 | 51.2% | around the 37th percentile of its peer group |
|---|---|---|
| Net worth ratio | 39.3% | higher than 96% of its peer group |
| Return on assets | 1.04% | around the 75th percentile of its peer group |
| Delinquency ratio | 1.90% | around the 70th percentile of its peer group |
| Cash / assets | 3.5% | lower than 97% of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is E M O T 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 Texas — the comparison set a peer ratio is measured against.
- Neiman Marcus Group Employees Credit Union
Dallas, TX
$9.3M · 2,314 members
- Jackson County Credit Union
Edna, TX
$9.2M · 710 members
- Cochran County Schools Credit Union
MORTON, TX
$9.3M · 892 members
- Port Terminal Credit Union
Houston, TX
$9.2M · 651 members
- Alamo City Credit Union
San Antonio, TX
$9.4M · 1,007 members
- Sweetex Credit Union
Longview, TX
$9.4M · 697 members
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