Embers

Marquette, MI · 2 · Charter #62038 · www.embers.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$583.6M
67th percentile
Members
32,332
59th percentile
Total loans
$369.9M
63th percentile
Total shares
$512.0M
68th percentile

Profitability

Return on assets
1.03%
55th percentile
Net interest margin
3.38%
43th percentile
Efficiency ratio
59.17%
49th percentile
Non-interest income ratio
18.28%
45th percentile

Capital & Risk

Net worth ratio
12.29%
69th percentile
Delinquency rate
0.26%
89th percentile
Net charge-off rate
0.18%
80th percentile
Loan-to-share
72.25%
31th percentile

Growth

Member growth YoY
0.44%
49th percentile
Asset growth YoY
6.34%
60th percentile
Loan growth YoY
8.44%
74th percentile
Share growth YoY
4.39%
47th percentile

Operations

Members / branch
4,619
50th percentile
Assets / member
$18,051
64th percentile
Field of membership penetration
8.40%
69th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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