Sep, 30, 2025 — EMERY FEDERAL CREDIT UNION is a federal credit union headquartered in CINCINNATI, OH with 3 branch locations and about $196.49 million in total assets. Opened 87 years ago in 1939, EMERY FEDERAL CREDIT UNION has about 12,915 members and employs 36 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | EMERY FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 7890 E Kemper Rd CINCINNATI, OH 45249-1656 |
| Phone: | (513) 530-9351 |
| Fax: | (513) 530-9357 |
| Website: | https://www.emeryfcu.org |
| Branches: | 3 branch locations |
| Members: | 12,915 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 3360 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1939 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $196,491,089 |
| CEO/Manager: | Doug Pohlman |
| Chairperson: | Robert J Van Lear |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 15,406,685 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 99,764,237 |
| Unsecured Loans | 7,482,229 |
| Other Loans | 36,068,857 |
| TOTAL LOANS | 143,315,325 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -907,169 |
| Land And Building | 3,880,085 |
| Other Fixed Assets | 110,283 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,612,766 |
| All Other Assets | 0 |
| TOTAL ASSETS | 196,491,089 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 2,715,278 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 23,821,281 |
| Regular shares | 43,749,726 |
| All Other Shares & Deposits | 109,327,042 |
| TOTAL SHARES & DEPOSITS | 176,898,049 |
| TOTAL LIABILITIES | 179,613,327 |
| Regular Reserve | 0 |
| Other Reserves | 3,131,458 |
| Undivided Earnings | 13,746,304 |
| TOTAL EQUITY | 16,877,762 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 196,491,089 |
| INCOME & EXPENSE | |
| Loan Income | 5,867,927 |
| Investment Income | 1,190,364 |
| Other Income | 493,818 |
| Total Employee Compensation & Benefits | 2,389,101 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 2,400,017 |
| Non-operating Income & (Expense) | 83,531 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 712,196 |
| Cost of Funds | 2,790,297 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 228,673 |
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