credit union · NCUA 7715 · AZ
How big is EM?
EM (AZ, NCUA charter 7715) reported total assets of $11.7M, 2,197 members and a net worth ratio of 15.65% in its Call Report for 2026Q2. That ranks 3440 of 4,299 federally insured credit unions by assets, 1047 of 1,135 among credit unions with $10m-$50m in assets, 30 of 33 credit unions in arizona.
What stands out
EM (AZ, NCUA charter 7715) reported total assets of $11.7M, 2,197 members and a net worth ratio of 15.65% in its Call Report for 2026Q2. That ranks 3440 of 4,299 federally insured credit unions by assets, 1047 of 1,135 among credit unions with $10m-$50m in assets, 30 of 33 credit unions in arizona. Against its size class: net worth ratio 15.65%, above the peer median of 13.88%; loan-to-share ratio 70.71%, above the peer median of 57.77%; return on assets 0.67%, below the peer median of 0.70%. At 15.65% 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, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $11.7M | $25.2M | $338.8M | $68.3M | record → |
| Shares and deposits | $9.8M | $21.4M | $259.8M | $58.3M | record → |
| Loans outstanding | $6.9M | $11.2M | $169.5M | $34.4M | record → |
| Net income (year to date) | $39.1k | $82.1k | $870.3k | $222.2k | record → |
| Net worth | $1.8M | $3.4M | $33.1M | $9.0M | record → |
| Net worth ratio | 15.65% | 13.88% | 10.97% | 12.65% | record → |
| Loan-to-share ratio | 70.71% | 57.77% | 70.71% | 68.70% | computed |
| Return on assets | 0.67% | 0.70% | 0.67% | 0.71% | computed |
| Members | 2,197 | 2,092 | 24,067 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $11.7M | $9.8M | $6.9M | $39.1k | 15.65% | 2,197 | 3440 |
| 2026Q1 | $11.5M | $9.7M | $6.6M | $16.4k | 15.68% | 2,174 | 3465 |
| 2025Q4 | $11.7M | $9.8M | $6.7M | $120.3k | 15.35% | 2,167 | 3472 |
| 2025Q3 | $11.7M | $9.8M | $6.3M | $86.5k | 16.20% | 2,129 | 3495 |
| 2025Q2 | $12.0M | $10.1M | $6.2M | $60.8k | 15.53% | 2,142 | 3509 |
| 2025Q1 | $11.3M | $9.5M | $6.7M | $39.3k | 16.27% | 2,148 | 3572 |
| 2024Q4 | $11.4M | $9.6M | $6.9M | $101.9k | 15.84% | 2,164 | 3586 |
| 2024Q3 | $10.9M | $9.1M | $6.8M | $53.7k | 16.18% | 2,113 | 3635 |
| 2024Q2 | $10.9M | $9.2M | $7.1M | $31.1k | 15.86% | 2,103 | 3662 |
| 2024Q1 | $11.4M | $9.6M | $7.5M | $16.3k | 15.16% | 2,090 | 3659 |
| 2023Q4 | $11.0M | $9.2M | $7.9M | $65.3k | 15.57% | 2,057 | 3701 |
| 2023Q3 | $10.6M | $8.9M | $7.9M | $48.7k | 15.86% | 1,988 | 3762 |
| 2023Q2 | $11.1M | $9.4M | $8.0M | $34.4k | 15.12% | 1,962 | 3769 |
| 2023Q1 | $11.0M | $9.3M | $7.7M | $20.1k | 15.16% | 1,927 | 3800 |
| 2022Q4 | $11.1M | $9.4M | $7.9M | $51.7k | 14.76% | 1,906 | 3819 |
| 2022Q3 | $10.9M | $9.3M | $7.1M | $40.1k | 14.92% | 1,848 | 3867 |
| 2022Q2 | $11.2M | $9.5M | $6.7M | $25.1k | 14.44% | 1,824 | 3868 |
| 2022Q1 | $10.6M | $9.0M | $6.8M | $13.4k | 15.05% | 1,845 | 3934 |
| 2021Q4 | $10.4M | $8.8M | $6.4M | $9.6k | 15.30% | 1,828 | 3959 |
| 2021Q3 | $9.8M | $8.2M | $6.2M | $8.4k | 16.24% | 1,786 | 4033 |
| 2021Q2 | $9.8M | $8.2M | $5.6M | $10.5k | 16.22% | 1,773 | 4052 |
| 2021Q1 | $9.4M | $7.8M | $5.0M | $8.7k | 16.83% | 1,815 | 4095 |
| 2020Q4 | $8.9M | $7.3M | $5.1M | $43.0k | 17.71% | 1,803 | 4118 |
| 2020Q3 | $8.5M | $7.0M | $5.0M | $28.4k | 18.30% | 1,746 | 4152 |
| 2020Q2 | $8.7M | $7.1M | $4.9M | $20.5k | 17.86% | 1,851 | 4147 |
| 2020Q1 | $8.2M | $6.6M | $4.7M | $14.3k | 18.91% | 1,840 | 4165 |
| 2019Q4 | $8.2M | $6.7M | $4.5M | $26.3k | 18.67% | 1,794 | 4173 |
| 2019Q3 | $8.1M | $6.5M | $4.2M | $14.2k | 18.91% | 1,684 | 4207 |
| 2019Q2 | $8.0M | $6.4M | $4.1M | $11.1k | 19.03% | 1,666 | 4230 |
| 2019Q1 | $8.0M | $6.5M | $3.7M | $1.2k | 18.82% | 1,645 | 4246 |
| 2018Q4 | $7.9M | $6.4M | $3.6M | $10.8k | 19.16% | 1,654 | 4270 |
| 2018Q3 | $7.8M | $6.3M | $3.1M | $14.5k | 19.32% | 1,534 | 4306 |
| 2018Q2 | $7.7M | $6.2M | $3.2M | $6.0k | 19.43% | 1,530 | 4343 |
| 2018Q1 | $7.7M | $6.2M | $3.4M | $4.5k | 19.58% | 1,554 | 4381 |
| 2017Q4 | $7.5M | $6.0M | $3.3M | $1.1k | 19.91% | 1,555 | 4410 |
| 2017Q3 | $7.8M | $6.3M | $2.9M | $6.3k | 19.32% | 1,518 | 4415 |
| 2017Q2 | $7.9M | $6.4M | $2.9M | $6.3k | 19.07% | 1,509 | 4436 |
| 2017Q1 | $8.1M | $6.6M | $3.1M | $4.2k | 18.53% | 1,514 | 4450 |
| 2016Q4 | $7.9M | $6.4M | $3.1M | $-11.7k | 18.88% | 1,517 | 4468 |
| 2016Q3 | $7.5M | $6.0M | $2.8M | $-5.9k | 20.06% | 1,481 | 4552 |
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