Charter 67252 · Gadsden, AL
Emblem Credit Union
Emblem Credit Union is a state-chartered credit union in Gadsden, Alabama, with $628 million in assets and 29,813 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 11.29%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $628 million
- +8.9% in a year
- Members
- 29,813
- -7.4% in a year
- Net worth ratio
- 11.29%
- Peer median 10.79%
- Loans 60+ days late
- 0.63%
- Peer median 0.67%
- Loans outstanding
- $480 million
- +6.8% in a year
- Shares and deposits
- $558 million
- +8.3% in a year
- Branches
- 7
- 105 employees
- Opened
- 1959
- Alabama charter
How Emblem Credit Union compares
NCUA groups credit unions by size; Emblem Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 11.29% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.63%, is about the same as the group median of 0.67%. Loans grew 6.8% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 15 of 88 credit unions headquartered in Alabama. See all Alabama credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $628 million | 29,813 | $480 million | 11.29% | 0.63% |
| Q1 2026 | $619 million | 29,577 | $468 million | 11.15% | 0.42% |
| Q4 2025 | $597 million | 29,387 | $459 million | 11.27% | 0.64% |
| Q3 2025 | $593 million | 32,649 | $449 million | 11.08% | 0.61% |
| Q2 2025 | $576 million | 32,185 | $450 million | 11.02% | 0.82% |
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 784,931 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 7 sites for Emblem Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Emblem Credit Union (main office)
702 Walnut St, Gadsden, AL 35901 - Emblem Credit Union
1440 Chesnut Byp, Centre, AL 35960 - Emblem Credit Union
230 Us Highway 431, Anniston, AL 36206 - Emblem Credit Union
700 Gault Ave S, Fort Payne, AL 35967 - Emblem Credit Union
2020 Us Highway 78 E, Oxford, AL 36203 - Emblem Credit Union
8576 Us Highway 431, Albertville, AL 35950 - Emblem Credit Union
3400 Rainbow Dr, Rainbow City, AL 35906
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