EMBERS
State-Chartered • Marquette, Michigan • Est. 1953
Quick Facts
- Charter Number
- #62038
- Type
- State-Chartered
- Established
- 1953
- Headquarters
- Marquette, Michigan 49855
- Address
- 601 S McClellan Ave
- Branches
- 8
- ATMs
- 7
- Members
- 33,170
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
33,170 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | EMBERS |
|---|---|
| Total Assets | $612.9M |
| Members | 33,170 |
| Loans Outstanding | $383.4M |
| Shares & Deposits | $539.3M |
| Net Worth | $73.3M |
| Net Worth Ratio | 11.95% |
| Loan-to-Share Ratio | 71.1% |
| Delinquency Rate | 0.14% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
8 locations · 7 ATMs
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
Who Can Join EMBERS?
Membership Type: Community
Membership eligibility for EMBERS may vary. Contact the credit union directly to confirm qualification requirements.
Contact EMBERS directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Michigan
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Michigan RankingsFrequently Asked Questions
EMBERS is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, EMBERS has 33,170 members and a potential membership field of 385,000 people.
EMBERS's reported net worth ratio is 11.95% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
EMBERS operates 8 branch locations and has access to 7 ATMs. The main office is located at 601 S McClellan Ave, Marquette, MI 49855.
EMBERS was established in 1953. It is a state-chartered credit union chartered under charter number 62038. The institution has been serving members for 73 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or EMBERS. All financial data is for informational purposes only.