Emblem Credit Union
Gadsden, Alabama
Financial Health Score
9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.
Good
How This Organization Compares
Compared to 111 peers in Unclassified with $10M-$100M revenue
Working Capital Ratio (net assets ÷ expenses)
Financial Trends
5-Year Trend Analysis
Financial Health Indicators
Filing History
13 filings on record| Year | Revenue | Expenses | Assets | |
|---|---|---|---|---|
| 2023 | $28,308,124↑22% | $24,087,717↑29% | $531,369,874↑11% | |
| 2022 | $23,248,388↑20% | $18,657,736↑16% | $479,200,439 | — |
| 2021 | $19,350,763↑8% | $16,092,963↑4% | $477,477,278↑15% | — |
| 2020 | $17,953,564↓1% | $15,451,117↑3% | $415,803,086↑21% | — |
| 2019 | $18,074,007↑12% | $14,948,285↑11% | $343,754,148↑14% | — |
| 2018 | $16,132,685↑9% | $13,488,181↑7% | $302,815,886↑6% | — |
| 2017 | $14,820,308↑8% | $12,618,622↑7% | $285,790,473↑3% | — |
| 2016 | $13,773,815↑8% | $11,808,802↑4% | $278,584,853↑7% | — |
| 2015 | $12,777,496↓6% | $11,372,072↑3% | $259,950,408↑5% | — |
| 2014 | $13,549,825↑1% | $11,069,911↑4% | $248,516,941↑1% | — |
| 2013 | $13,419,678↑4% | $10,651,279↑4% | $245,645,057↑9% | — |
| 2012 | $12,942,623↑4% | $10,198,284 | $226,189,599↑6% | — |
| 2011 | $12,456,905 | $10,188,827 | $213,837,371 | — |
Frequently Asked Questions
What does Emblem Credit Union do?▼
Emblem Credit Union is a unclassified nonprofit organization based in Alabama. It is classified under NTEE code Z and is registered as a 501(c) tax-exempt organization with the IRS.
Is Emblem Credit Union financially healthy?▼
Based on our 9-metric Financial Health Score model, Emblem Credit Union has a score of 68/100 (Grade: B+). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.
How much revenue does Emblem Credit Union generate?▼
Emblem Credit Union reports $33.7M in annual revenue and holds $566.9M in total assets, based on IRS filings.
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