Electric Machinery Employees

MINNEAPOLIS, MN · 2 · Charter #63988 · www.emcu.org/
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
$8.5M
37th percentile
Members
756
28th percentile
Total loans
$3.9M
37th percentile
Total shares
$6.3M
36th percentile

Profitability

Return on assets
-0.28%
11th percentile
Net interest margin
3.34%
29th percentile
Efficiency ratio
73.81%
36th percentile
Non-interest income ratio
2.13%
20th percentile

Capital & Risk

Net worth ratio
24.58%
85th percentile
Delinquency rate
1.01%
41th percentile
Net charge-off rate
1.35%
12th percentile
Loan-to-share
61.64%
51th percentile

Growth

Member growth YoY
-13.60%
3th percentile
Asset growth YoY
1.38%
52th percentile
Loan growth YoY
-18.47%
7th percentile
Share growth YoY
2.51%
61th percentile

Operations

Members / branch
756
36th percentile
Assets / member
$11,251
66th percentile
Field of membership penetration
25.20%
38th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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