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
- 32,332
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
32,332 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | EMBERS |
|---|---|
| Total Assets | $583.6M |
| Members | 32,332 |
| Loans Outstanding | $369.9M |
| Shares & Deposits | $512.0M |
| Net Worth | $71.7M |
| Net Worth Ratio | 12.29% |
| Loan-to-Share Ratio | 72.3% |
| Delinquency Rate | 0.26% |
| Net Income | +$6,023,453 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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
Browse all federally insured credit unions in Michigan, ranked by assets, members, and financial health score.
View Michigan RankingsFrequently Asked Questions
Yes. EMBERS 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, EMBERS has 32,332 members and a potential membership field of 385,000 people.
EMBERS's net worth ratio is 12.29% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 12.3%, EMBERS meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or EMBERS. All financial data is for informational purposes only.