Emblem
Emblem is a credit union based in Gadsden, Alabama, established in 1959, with $619 million in total assets serving 29,577 members. By Trust Grade it ranks 34th of 89 credit unions we track in Alabama. Its net worth ratio of 11.2% trails most similarly sized credit unions (49th percentile), versus a Alabama median of 14.2%. It was profitable over the most recent period, with a 1.13% return on assets. No consumer complaints against Emblem appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Emblem compares to Alabama peers
How we graded Emblem
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.2% capital ratio)
- Strongly profitable (ROA 1.13%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Emblem over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Emblem insured?
Yes. Emblem is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Emblem: frequently asked questions
Is Emblem a good credit union?
Emblem earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (11.2% capital ratio); Strongly profitable (ROA 1.13%).
Is Emblem NCUA-insured?
Yes. Emblem is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Emblem?
Emblem holds $619 million in total assets, ranking 34th of 89 credit unions we track in Alabama. It serves 29,577 members.
Does Emblem have CFPB complaints?
No CFPB complaints against Emblem appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
