E M O T
Federal • Abilene, Texas • Est. 1954
Quick Facts
- Charter Number
- #9457
- Type
- Federal
- Established
- 1954
- Headquarters
- Abilene, Texas 79604
- Address
- P. O. Box 3383
- Branches
- 1
- Members
- 464
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
464 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | E M O T |
|---|---|
| Total Assets | $9.2M |
| Members | 464 |
| Loans Outstanding | $2.8M |
| Shares & Deposits | $5.5M |
| Net Worth | $3.6M |
| Net Worth Ratio | 39.37% |
| Loan-to-Share Ratio | 50.1% |
| Delinquency Rate | 1.67% |
| Net Income | +$109,126 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location
EMOT Federal Credit Union
Main Office471 Cypress St
Abilene, TX 79601-5101
Who Can Join E M O T?
Membership Type: Community
Membership eligibility for E M O T may vary. Contact the credit union directly to confirm qualification requirements.
Contact E M O T directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Texas RankingsFrequently Asked Questions
Yes. E M O T is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, E M O T has 464 members and a potential membership field of 1,800 people.
E M O T's net worth ratio is 39.37% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 39.4%, E M O T meets this threshold.
E M O T operates 1 branch location. The main office is located at 471 Cypress St, Abilene, TX 79601-5101.
E M O T was established in 1954. It is a federal credit union chartered under charter number 9457. The institution has been serving members for 72 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or E M O T. All financial data is for informational purposes only.