credit union · NCUA 1104 · MT
How big is EMBARK?
EMBARK (MT, NCUA charter 1104) reported total assets of $134.8M, 9,809 members and a net worth ratio of 11.25% in its Call Report for 2022Q2. That ranks 1577 of 4,957 federally insured credit unions by assets, 864 of 1,119 among credit unions with $100m-$500m in assets, 15 of 46 credit unions in montana.
What stands out
EMBARK (MT, NCUA charter 1104) reported total assets of $134.8M, 9,809 members and a net worth ratio of 11.25% in its Call Report for 2022Q2. That ranks 1577 of 4,957 federally insured credit unions by assets, 864 of 1,119 among credit unions with $100m-$500m in assets, 15 of 46 credit unions in montana. Against its size class: net worth ratio 11.25%, above the peer median of 9.90%; loan-to-share ratio 56.51%, below the peer median of 64.36%; return on assets 0.33%, below the peer median of 0.56%. At 11.25% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2022Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2022Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $134.8M | $194.8M | $45.7M | $53.0M | record → |
| Shares and deposits | $121.7M | $174.8M | $41.0M | $46.7M | record → |
| Loans outstanding | $68.8M | $111.8M | $28.0M | $23.9M | record → |
| Net income (year to date) | $225.0k | $536.2k | $82.9k | $91.4k | record → |
| Net worth | $15.2M | $20.4M | $4.8M | $5.7M | record → |
| Net worth ratio | 11.25% | 9.90% | 9.86% | 10.67% | record → |
| Loan-to-share ratio | 56.51% | 64.36% | 56.51% | 58.27% | computed |
| Return on assets | 0.33% | 0.56% | 0.34% | 0.42% | computed |
| Members | 9,809 | 14,052 | 3,592 | 4,101 | record → |
Quarter by quarter
29 Call Reports on record, 2015Q2–2022Q2; the 29 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2022Q2 | $134.8M | $121.7M | $68.8M | $225.0k | 11.25% | 9,809 | 1577 |
| 2022Q1 | $137.2M | $122.7M | $66.2M | $-113.1k | 10.81% | 9,870 | 1563 |
| 2021Q4 | $134.4M | $119.0M | $63.6M | $1.1M | 11.11% | 9,921 | 1563 |
| 2021Q3 | $132.1M | $116.3M | $65.2M | $817.6k | 11.07% | 10,011 | 1564 |
| 2021Q2 | $133.4M | $118.4M | $66.7M | $515.3k | 10.73% | 9,997 | 1555 |
| 2021Q1 | $132.0M | $117.0M | $66.5M | $90.8k | 10.52% | 9,957 | 1561 |
| 2020Q4 | $121.7M | $106.7M | $67.6M | $724.2k | 11.34% | 9,911 | 1578 |
| 2020Q3 | $120.2M | $105.2M | $67.0M | $524.6k | 11.31% | 9,958 | 1573 |
| 2020Q2 | $122.5M | $107.6M | $67.3M | $327.5k | 10.94% | 9,940 | 1545 |
| 2020Q1 | $113.8M | $99.3M | $67.4M | $132.3k | 11.61% | 9,885 | 1555 |
| 2019Q4 | $108.7M | $94.5M | $67.6M | $970.7k | 12.03% | 9,909 | 1569 |
| 2019Q3 | $106.4M | $92.6M | $67.4M | $753.8k | 12.09% | 9,917 | 1577 |
| 2019Q2 | $109.2M | $95.7M | $66.4M | $344.8k | 11.40% | 9,829 | 1562 |
| 2019Q1 | $108.3M | $95.2M | $64.1M | $106.5k | 11.28% | 9,773 | 1569 |
| 2018Q4 | $104.8M | $91.9M | $63.8M | $801.3k | 11.56% | 9,744 | 1576 |
| 2018Q3 | $104.7M | $92.1M | $61.6M | $597.0k | 11.36% | 9,673 | 1573 |
| 2018Q2 | $106.3M | $94.2M | $58.8M | $349.8k | 10.96% | 9,652 | 1568 |
| 2018Q1 | $105.5M | $93.3M | $57.9M | $200.9k | 10.90% | 9,707 | 1574 |
| 2017Q4 | $101.9M | $89.8M | $57.7M | $668.0k | 11.09% | 9,645 | 1576 |
| 2017Q3 | $101.4M | $89.4M | $57.4M | $535.6k | 11.02% | 9,663 | 1582 |
| 2017Q2 | $106.2M | $94.1M | $57.1M | $207.4k | 10.21% | 9,642 | 1553 |
| 2017Q1 | $104.6M | $93.0M | $54.5M | $104.2k | 10.27% | 9,545 | 1573 |
| 2016Q4 | $99.2M | $87.5M | $53.6M | $-215.9k | 10.72% | 9,533 | 1596 |
| 2016Q3 | $99.5M | $87.5M | $54.6M | $-245.3k | 10.66% | 9,509 | 1591 |
| 2016Q2 | $99.3M | $87.9M | $54.7M | $-192.7k | 10.73% | 9,562 | 1586 |
| 2016Q1 | $97.9M | $86.4M | $53.2M | $-71.5k | 11.01% | 9,519 | 1594 |
| 2015Q4 | $93.6M | $82.2M | $53.7M | $260.5k | 11.59% | 9,504 | 1613 |
| 2015Q3 | $93.5M | $82.1M | $53.6M | $358.4k | 11.71% | 9,488 | 1600 |
| 2015Q2 | $96.3M | $84.4M | $52.8M | $228.2k | 11.24% | 9,524 | 1583 |
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