| Weiss Ratings |
Emblem Credit Union
Gadsden, AL |
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| Rating | ||||
| Asset Quality Index | 7.70 | |||
| Capitalization Index | 7.40 | |||
| Liquidity Index | 2.80 | |||
| Profitability Index | 5.20 | |||
| Stability Index | 7.50 | |||
| Company Info |
Emblem Credit Union
Gadsden, AL |
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| NCUA Charter Number | 5733 | |||
| Phone Number | (256) 543-7040 | |||
| Website | www.emblemcu.com | |||
| Asset Quality |
Emblem Credit Union
Gadsden, AL |
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| 1-Year Asset Growth | 4.36% | |||
| 5-Year Asset Growth | 10.52% | |||
| 5-Year Charge-Offs to Average Loans | 0.14% | |||
| Charge-Offs to Average Loans | 0.29% | |||
| Non-Performing Assets to Assets | 0.60% | |||
| Non-Performing Loans to Capital | 5.74% | |||
| Non-Performing Loans to Loans | 0.80% | |||
| Balance Sheet |
Emblem Credit Union
Gadsden, AL |
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| Total Assets | 573.84M | |||
| Total Deposits | 515.54M | |||
| Capital and Reserves |
Emblem Credit Union
Gadsden, AL |
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| Capital | 55.74M | |||
| Leverage Ratio | 10.82 | |||
| Loan Loss Reserves to Loans | 1.06% | |||
| Liquidity |
Emblem Credit Union
Gadsden, AL |
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| Hot Money Ratio | 21.98% | |||
| Liquidity Ratio | 13.40% | |||
| Profitability |
Emblem Credit Union
Gadsden, AL |
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| 5-Year Return on Average Assets | 0.75% | |||
| Net Income | 826.00K | |||
| Net Interest Spread | 3.43% | |||
| Operating Profit to Average Assets | 0.98% | |||
| Overhead Efficiency Ratio | 77.15% | |||
| Return on Assets | 0.58% | |||
| Return on Equity | 6.04% | |||