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.

From Q2 2025 to Q2 2026, the score rose 6 points (66 → 72), mostly because the earnings component improved by 15 points.

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

Similar-size credit unions in Alabama

Yes. Emblem Credit Union is a federally insured credit union (NCUA charter #67252). 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 11.0% of shares and deposits ($61.4M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.29%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Emblem Credit Union lists 7 offices in 7 cities. Most locations:

• Albertville, AL (1)
• Anniston, AL (1)
• Centre, AL (1)
• Fort Payne, AL (1)
• Gadsden, AL (1)
• Oxford, AL (1)
• Rainbow City, AL (1)

All branch addresses and map

In 2025, Emblem Credit Union reported 457 home-loan applications under HMDA (LEI 5493008YZRSEXRIR3I97): 260 originated ($40,090,000 total), 128 denied, and 11 withdrawn or closed by the applicant. Its denial rate on decided applications was 28.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Emblem Credit Union

Type

Federally insured state-chartered credit union

NCUA charter #

67252

RSSD ID

181383

Primary regulator

State + NCUA

Established

1959

Headquarters

P O Box 1400, Gadsden, AL 35902

Employees

105