EMBERS
Charter #62038 · Marquette, MI · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.01% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.03% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.14% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.03% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 24th percentile but its structural peers at the 41st — a 17-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | EMBERS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $612.94M | 28th pct | 34th pct |
| Members | 33,170 | 25th pct | 30th pct |
| Net worth ratio | 11.95% | 71th pct | 74th pct |
| Return on average assets | 1.01% | 73th pct | 77th pct |
| Net interest margin | 3.57% | 55th pct | 49th pct |
| Cost of funds | 0.03% | 2th pct | 7th pct |
| Loan-to-share | 71.09% | 24th pct | 41th pct |
| Delinquency 60+ days | 0.14% | 5th pct | 2th pct |
| Net charge-off ratio | 0.03% | 2th pct | 0th pct |
| Loan growth YoY | 6.05% | 92th pct | 90th pct |
| Share growth YoY | 6.97% | 85th pct | 84th pct |
| Efficiency ratio | 75.60% | 37th pct | 31th pct |
structural peer set hash: 2652eeff4938e84db98eadc5e70dcfac… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.