TellerScore

Em Federal Credit Union (NCUA charter #7715) is based in Mesa, Arizona. Its Q2 2026 call report shows $11.7M in total assets and $9.8M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Em Federal Credit Union scores 86/100, which we describe as very strong. That is higher than 80% of 2,479 credit unions with under $100 million in assets. Among 33 credit unions headquartered in Arizona, it ranks 5th. Its strongest component is capital cushion (100/100; 15.65%), and its lowest is earnings (47/100; 0.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.65%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.24%
Earnings47/100
Return on assets (annualized): 0.67%
Funding & liquidity90/100
Loans ÷ shares: 70.7% · 2.6% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.91%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (90 → 86), mostly because the earnings component weakened by 13 points.

TellerScore
838892Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202486
Q3 202487
Q4 202487
Q1 202592
Q2 202590
Q3 202589
Q4 202589
Q1 202683
Q2 202686
Net worth ratio
7.00%11.63%16.27%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.86%
Q3 202416.18%
Q4 202415.84%
Q1 202516.27%
Q2 202515.53%
Q3 202516.20%
Q4 202515.35%
Q1 202615.68%
Q2 202615.65%
Delinquent loans (60+ days)
0.01%0.26%0.50%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.02%
Q3 20240.01%
Q4 20240.20%
Q1 20250.15%
Q2 20250.21%
Q3 20250.22%
Q4 20250.20%
Q1 20260.50%
Q2 20260.24%
Return on assets
0.57%0.98%1.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.57%
Q3 20240.66%
Q4 20240.89%
Q1 20251.39%
Q2 20251.01%
Q3 20250.99%
Q4 20251.03%
Q1 20260.57%
Q2 20260.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$11.7M15.65%0.24%0.67%70.7%
Q1 202683$11.5M15.68%0.50%0.57%68.7%
Q4 202589$11.7M15.35%0.20%1.03%67.8%
Q3 202589$11.7M16.20%0.22%0.99%64.5%
Q2 202590$12.0M15.53%0.21%1.01%61.6%
Q1 202592$11.3M16.27%0.15%1.39%70.9%
Q4 202487$11.4M15.84%0.20%0.89%72.3%
Q3 202487$10.9M16.18%0.01%0.66%75.3%
Q2 202486$10.9M15.86%0.02%0.57%77.4%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.65%
58th
Problem loans0.24%
71st
Net charge-offs-0.00%
87th
Return on assets0.67%
51st
Loans to deposits70.7%
32nd
Uninsured deposits2.6%
39th
Loan-loss reserves0.00%
37th
Texas ratio0.9%
67th

Similar-size credit unions in Arizona

InstitutionScoreAssetsCapitalProblem loansCompare
Prescott Federal Credit UnionCredit union Prescott, AZ49 out of 100, Below average$11.1M6.1%0.46%vs
Winslow Santa Fe Credit UnionCredit union Winslow, AZ93 out of 100, Very strong$15.0M14.6%0.31%vs
U-Haul Federal Credit UnionCredit union Phoenix, AZ45 out of 100, Below average$6.6M10.1%7.14%vs
Winslow School Employees Federal Credit UnionCredit union Winslow, AZ92 out of 100, Very strong$5.2M18.5%0.06%vs
Rim Country Federal Credit UnionCredit union Snowflake, AZ70 out of 100, Strong$24.6M12.9%1.33%vs
Alhambra Credit UnionCredit union Phoenix, AZ58 out of 100, Moderate$33.8M9.2%0.86%vs

Deposit insurance

Is my money safe at Em Federal Credit Union?

Yes. Em Federal Credit Union is a federally insured credit union (NCUA charter #7715). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 2.6% of shares and deposits ($255K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 15.65%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Em Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Em Federal Credit Union
Type
Federal credit union
NCUA charter #
7715
RSSD ID
127680
Primary regulator
NCUA
Established
1952
Headquarters
50 W Iron Ave, Mesa, AZ 85210
Employees
3

Quick answers

Em Federal Credit Union: common questions

Is Em Federal Credit Union NCUA insured?

Yes. Em Federal Credit Union is a federally insured credit union (NCUA charter #7715). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Em Federal Credit Union's TellerScore?

86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Em Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Mesa

InstitutionScoreAssetsCapitalProblem loansCompare
Mayo Employees Federal Credit UnionCredit union Rochester, MN98 out of 100, Very strong$1.5B14.9%0.05%vs
Greenwich Municipal Employees Federal Credit UnionCredit union Greenwich, CT89 out of 100, Very strong$32.6M14.5%0.87%vs
Desert Financial Credit UnionCredit union Phoenix, AZ80 out of 100, Strong$9.9B12.1%0.47%vs
Banner Federal Credit UnionCredit union Phoenix, AZ80 out of 100, Strong$65.2M13.5%0.70%vs
Beal Bank USABank Las Vegas, NV80 out of 100, Strong$11.0B21.9%0.78%vs
Florida West Coast Credit UnionCredit union Brandon, FL79 out of 100, Strong$144.2M12.0%0.25%vs