Sep, 30, 2025 — EM FEDERAL CREDIT UNION is a federal credit union headquartered in MESA, AZ with 1 branch location and about $11.68 million in total assets. Opened 74 years ago in 1952, EM FEDERAL CREDIT UNION has about 2,129 members and employs 5 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | EM FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 50 W Iron Ave MESA, AZ 85210-6103 |
| Phone: | (480) 633-4435 |
| Fax: | (480) 633-4612 |
| Website: | https://www.emfederalcreditunion.or |
| Branches: | 1 branch locations |
| Members: | 2,129 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 7715 |
|---|---|
| Membership Type: | Manufacturing - All Other |
| Corporate Credit Union: | No |
| Year Opened: | 1952 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $11,684,602 |
| CEO/Manager: | Kimberly K Person |
| Chairperson: | William Policastro |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 67,902 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 236,241 |
| Other Loans | 6,060,210 |
| TOTAL LOANS | 6,296,451 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -63,194 |
| Land And Building | 0 |
| Other Fixed Assets | 363 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 94,877 |
| All Other Assets | 0 |
| TOTAL ASSETS | 11,684,602 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 35,810 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 0 |
| Regular shares | 9,755,347 |
| All Other Shares & Deposits | 0 |
| TOTAL SHARES & DEPOSITS | 9,755,347 |
| TOTAL LIABILITIES | 9,791,157 |
| Regular Reserve | 0 |
| Other Reserves | 202,844 |
| Undivided Earnings | 1,690,601 |
| TOTAL EQUITY | 1,893,445 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 11,684,602 |
| INCOME & EXPENSE | |
| Loan Income | 336,002 |
| Investment Income | 192,302 |
| Other Income | 11,614 |
| Total Employee Compensation & Benefits | 226,311 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 118,099 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 0 |
| Cost of Funds | 109,045 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 86,463 |
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