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National Credit Union Service Organization

EMBERS CREDIT UNION

Dec, 31, 2023 — EMBERS CREDIT UNION is a federally insured state chartered credit union headquartered in MARQUETTE, MI with 8 branch locations and about $515.55 million in total assets. Opened 71 years ago in 1953, EMBERS CREDIT UNION has about 31,581 members and employs 131 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 291172844
Name:EMBERS CREDIT UNION
Address:
(Main Office)
601 S McClellan Ave
MARQUETTE, MI 49855
Phone:(906) 228-7080
Fax:
Website:https://www.embers.org
Branches:8 branch locations
Members:31,581
Credit Union Type:Federally Insured State Chartered Credit Union
Charter Number:62038
Membership Type:State chartered natural person
Corporate Credit Union:No
Year Opened:1953
Last Audited:Dec 01, 2022
FHLB Member:Yes
Low Income Designation:No
Assets:$515,551,996
CEO/Manager:Thomas Blake
Chairperson:Sandra Villa-Mogush

Call Report

  • International Remittances
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 11,408,378
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 177,331,504
 Unsecured Loans 26,326,796
 Other Loans 131,670,851
 TOTAL LOANS 335,329,152
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -1,903,047
 Land And Building 13,132,163
 Other Fixed Assets 796,827
 NCUSIF Deposit 4,276,955
 All Other Assets 0
  TOTAL ASSETS 515,551,996
LIABILITIES & CAPITAL:  
 Dividends Payable 243,646
 Notes & Interest Payable 15,000,000
 Accounts Payable & Other Liabilities 4,350,088
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 78,043,497
 Regular shares 135,904,653
 All Other Shares & Deposits 233,314,656
  TOTAL SHARES & DEPOSITS 447,262,806
  TOTAL LIABILITIES 466,876,540
 Regular Reserve 0
 Other Reserves 12,512,258
 Undivided Earnings 36,163,198
  TOTAL EQUITY 48,675,456
  TOTAL LIABILITIES, SHARES, & EQUITY 515,551,996
INCOME & EXPENSE  
 Loan Income 17,723,857
 Investment Income 2,083,044
 Other Income 2,586,172
 Total Employee Compensation & Benefits 9,281,632
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 8,439,543
 Non-operating Income & (Expense) 165
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 215,000
 Cost of Funds 4,690,293
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 2,700,549
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