EMBLEM
State-Chartered • GADSDEN, Alabama • Est. 1959
Quick Facts
- Charter Number
- #67252
- Type
- State-Chartered
- Established
- 1959
- Headquarters
- GADSDEN, Alabama 35902
- Address
- P O BOX 1400
- Branches
- 8
- Members
- 29,387
- 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
29,387 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | EMBLEM |
|---|---|
| Total Assets | $597.1M |
| Members | 29,387 |
| Loans Outstanding | $459.3M |
| Shares & Deposits | $530.8M |
| Net Worth | $67.3M |
| Net Worth Ratio | 11.27% |
| Loan-to-Share Ratio | 86.5% |
| Delinquency Rate | 0.64% |
| Net Income | +$8,082,467 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
8 locations
Emblem Credit Union
Main Office702 Walnut St
Gadsden, AL 35901
Emblem Credit Union
1008 Portwood Dr
Albertville, AL 35951-7316
Emblem Credit Union
1440 Chesnut Byp
Centre, AL 35960-2815
Emblem Credit Union
230 US Highway 431
Anniston, AL 36206-2120
Emblem Credit Union
700 Gault Ave S
Fort Payne, AL 35967-1628
Who Can Join EMBLEM?
Membership Type: Community
Membership eligibility for EMBLEM may vary. Contact the credit union directly to confirm qualification requirements.
Contact EMBLEM directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Alabama
Browse all federally insured credit unions in Alabama, ranked by assets, members, and financial health score.
View Alabama RankingsFrequently Asked Questions
Yes. EMBLEM 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, EMBLEM has 29,387 members and a potential membership field of 784,931 people.
EMBLEM's net worth ratio is 11.27% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 11.3%, EMBLEM meets this threshold.
EMBLEM operates 8 branch locations. The main office is located at 702 Walnut St, Gadsden, AL 35901.
EMBLEM was established in 1959. It is a state-chartered credit union chartered under charter number 67252. The institution has been serving members for 67 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or EMBLEM. All financial data is for informational purposes only.