EMBLEM
Charter #67252 · GADSDEN, AL · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 29,577 sits at the 11th percentile of structural peers — worth a closer look.
- Return on average assets of 1.15% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.34% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.23% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 73.08% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
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 | EMBLEM | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $619.16M | 29th pct | 21th pct |
| Members | 29,577 | 15th pct | 11th pct |
| Net worth ratio | 11.15% | 61th pct | 61th pct |
| Return on average assets | 1.15% | 80th pct | 84th pct |
| Net interest margin | 3.39% | 41th pct | 36th pct |
| Cost of funds | 0.34% | 11th pct | 15th pct |
| Loan-to-share | 85.10% | 63th pct | 59th pct |
| Delinquency 60+ days | 0.42% | 33th pct | 31th pct |
| Net charge-off ratio | 0.23% | 26th pct | 21th pct |
| Loan growth YoY | 4.21% | 85th pct | 75th pct |
| Share growth YoY | 4.10% | 51th pct | 52th pct |
| Efficiency ratio | 73.08% | 28th pct | 23th pct |
structural peer set hash: 7679f0a69341e89890f77719833d34e0… (reproducible)
Closest structural peers
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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.