Charter 62038 · Marquette, MI
Embers Credit Union
Embers Credit Union is a state-chartered credit union in Marquette, Michigan, with $622 million in assets and 33,458 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 12.07%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $622 million
- +9.4% in a year
- Members
- 33,458
- +3.5% in a year
- Net worth ratio
- 12.07%
- Peer median 10.79%
- Loans 60+ days late
- 0.64%
- Peer median 0.67%
- Loans outstanding
- $409 million
- +14.9% in a year
- Shares and deposits
- $544 million
- +8.5% in a year
- Branches
- 7
- 140 employees
- Opened
- 1953
- Michigan charter
How Embers Credit Union compares
NCUA groups credit unions by size; Embers Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 12.07% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.64%, is about the same as the group median of 0.67%. Loans grew 14.9% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 42 of 169 credit unions headquartered in Michigan. See all Michigan credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $622 million | 33,458 | $409 million | 12.07% | 0.64% |
| Q1 2026 | $613 million | 33,170 | $383 million | 11.95% | 0.14% |
| Q4 2025 | $584 million | 32,332 | $370 million | 12.29% | 0.26% |
| Q3 2025 | $575 million | 32,834 | $362 million | 12.25% | 0.30% |
| Q2 2025 | $569 million | 32,332 | $356 million | 12.11% | 0.22% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 385,000 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 8 sites for Embers Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main Branch
1001 W Baraga Ave, Marquette, MI 49855 - South Branch
1600 S Front St, Marquette, MI 49855 - Negaunee Branch
487 Us Highway 41, Negaunee, MI 49866 - Munising Branch
200 E State Highway M28, Munising, MI 49862 - Gwinn Branch
9 W State Highway M35, Gwinn, MI 49841 - Escanaba Branch
2600 1St Ave S, Escanaba, MI 49829 - Wells Branch
5664 Main St, Wells, MI 49894 - Corporate Office (main office)
601 S Mcclellan Ave, Marquette, MI 49855
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology