| Weiss Ratings |
Emblem Credit Union
Gadsden, AL |
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| Rating | ||||
| Asset Quality Index | 8.00 | |||
| Capitalization Index | 8.10 | |||
| Liquidity Index | 2.80 | |||
| Profitability Index | 7.60 | |||
| Stability Index | 6.30 | |||
| 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 | 5.31% | |||
| 5-Year Asset Growth | 10.52% | |||
| 5-Year Charge-Offs to Average Loans | 0.14% | |||
| Charge-Offs to Average Loans | 0.21% | |||
| Non-Performing Assets to Assets | 0.46% | |||
| Non-Performing Loans to Capital | 4.15% | |||
| Non-Performing Loans to Loans | 0.61% | |||
| Balance Sheet |
Emblem Credit Union
Gadsden, AL |
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| Total Assets | 592.50M | |||
| Total Deposits | 528.53M | |||
| Capital and Reserves |
Emblem Credit Union
Gadsden, AL |
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| Capital | 60.73M | |||
| Leverage Ratio | 11.08 | |||
| Loan Loss Reserves to Loans | 1.10% | |||
| Liquidity |
Emblem Credit Union
Gadsden, AL |
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| Hot Money Ratio | 22.22% | |||
| Liquidity Ratio | 13.19% | |||
| Profitability |
Emblem Credit Union
Gadsden, AL |
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| 5-Year Return on Average Assets | 0.75% | |||
| Net Income | 4.38M | |||
| Net Interest Spread | 3.68% | |||
| Operating Profit to Average Assets | 1.32% | |||
| Overhead Efficiency Ratio | 71.63% | |||
| Return on Assets | 1.01% | |||
| Return on Equity | 10.29% | |||