Em

MESA, AZ · 1 · Charter #7715 · www.emfederalcreditunion.or
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$11.7M
46th percentile
Members
2,167
70th percentile
Total loans
$6.7M
52th percentile
Total shares
$9.8M
47th percentile

Profitability

Return on assets
1.03%
61th percentile
Net interest margin
4.62%
73th percentile
Efficiency ratio
63.01%
58th percentile
Non-interest income ratio
3.92%
29th percentile

Capital & Risk

Net worth ratio
15.35%
52th percentile
Delinquency rate
0.20%
71th percentile
Net charge-off rate
0.14%
57th percentile
Loan-to-share
67.83%
60th percentile

Growth

Member growth YoY
0.14%
69th percentile
Asset growth YoY
2.17%
57th percentile
Loan growth YoY
-3.43%
48th percentile
Share growth YoY
2.95%
64th percentile

Operations

Members / branch
2,167
81th percentile
Assets / member
$5,378
18th percentile
Field of membership penetration
52.85%
70th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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